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Defiance, Ohio CD Rates – 6-Month

You are viewing rates from banks across Defiance





Below are the best six-month CD Rates from banks with branches in Defiance, Ohio . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Defiance, OH - December 16, 2025

6 Month CD National Average : 0.40% ?

Banks APY MIN MILES ?

Rate History: 4.61% → 4.51% → 4.41% → 4.25% → 4.10%

| Mar 21, 2023

Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More

Rate History: 4.35% → 4.30% → 4.15% → 4.20% → 4.10%

| Jun 26, 2020

Rate not current Read More

Rate History: 4.10% → 4.00% → 3.90% → 3.65% → 4.00%

| Dec 18, 2023

I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More

Rate History: 4.25% → 4.30% → 3.95% → 4.15% → 3.90%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate History: 3.35% → 3.00% → 2.75%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

0.30%

$5,000

17.78

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0.25%

$100,000

24.06

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| Aug 22, 2025

Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More

0.18%

$10,000

24.06

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0.17%

$100,000

23.72

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0.10%

$10,000

24.79

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0.07%

$10,000

23.72

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0.05%

$1,000

9.97

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| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

0.05%

$10,000

23.70

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0.05%

$10,000

15.46

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0.05%

$10,000

24.63

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0.05%

$10,000

0.33

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| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around Defiance, OH - December 16, 2025


Branch Street City State
Woodforest National Bank
Bryan Oh Branch
1215 South Main Street Bryan OH
The First National Bank of Pandora
Ottawa Branch
855 N. Locust St. Ottawa OH
The Hamler State Bank
The Hamler State Bank Branch
210 Randolph Street Hamler OH
The Antwerp Exchange Bank Company
Payne Branch
102 North Main Street Payne OH
The Antwerp Exchange Bank Company
Payne Branch
102 North Main Street Payne OH
The Farmers & Merchants State Bank
Eastside Branch
1150 E Main St Montpelier OH
The Ottoville Bank Company
The Ottoville Bank Company Branch
161 West Third Street Ottoville OH
The Farmers & Merchants State Bank
Eastside Branch
1150 E Main St Montpelier OH
The Sherwood State Bank
The Sherwood State Bank Branch
105 North Harrison Street Sherwood OH
KeyBank National Association
Defiance Main Branch
414 Second Street Defiance OH
The State Bank and Trust Company
East Main Street Branch
1201 East Main Street Montpelier OH
The Union Bank Company
Kalida Branch
110 East North Street Kalida OH
First Financial Bank
Paulding Banking Center Branch
201 N Main Street Paulding OH
The Fort Jennings State Bank
Ottoville Branch
120 East Main Street Ottoville OH
The Citizens National Bank of Bluffton
Defiance Branch
601 E Second Street Defiance OH
PNC Bank, National Association
Bryan Branch
221 North Main Street Bryan OH


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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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