Ohio

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Credit Union CD Rates – 3-Year – Cuyahoga Falls, Ohio 2019

Below are three year CD Rates from credit unions in Cuyahoga Falls, Ohio. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

Cuyahoga Falls, OH - December 6, 2019

3 Year CD National Average : 1.23% ?

Advertiser Disclosure
Credit UnionS APY MIN MILES ?
2.63% $1,000 5240.60
Connexus
Restrictions
2.50% $5,000 5238.00
2.35% $100,000 5193.39
2.28% $10,000 5220.47
2.27% $500 5249.78
2.27% $500 5262.89
Eaton Family
Restrictions
2.26% $500 5186.60
2.26% $500 5244.59
2.25% $100,000 5191.78
2.25% $10,000 5193.39
Columbus Metro
Restrictions
2.20% $500 5189.59
Telhio
Restrictions
2.17% $500 5185.30
2.16% $500 5239.78
2.16% $1,000 4756.28
2.15% $500 5191.78
Kemba Financial
Restrictions
2.15% $500 5189.27
Quest
Restrictions
2.14% $10,000 5246.18
2.10% $500 5185.30
Day Air
Restrictions
2.10% $500 5235.53
Directions
Restrictions
2.10% $500 5288.57
Code
Restrictions
2.06% $1,000 5240.61
2.05% $1,000 5231.12
Vacationland
Restrictions
2.05% $50,000 5233.36
Heartland
Restrictions
2.02% $500 5238.48
2.02% $500 5167.95
Your Legacy
Restrictions
2.02% $500 5246.10
2.02% $500 5233.12
Universal 1
Restrictions
2.02% $1,000 5239.14
Unity Catholic
Restrictions
2.02% $500 5191.42
Champion
Restrictions
2.01% $1,000 5287.46
Glass City
Restrictions
2.01% $500 5276.26
2.00% $500 5184.75
Community Star
Restrictions
2.00% $500 5205.50
General Electric
Restrictions
2.00% $500 5232.42
Ukrainian
Restrictions
2.00% $500 6718.81
2.00% $500 5189.27
Abbey
Restrictions
2.00% $500 5244.91
Bay Area
Restrictions
2.00% $1,000 5276.17
Hancock
Restrictions
2.00% $500 5263.59
Kemba
Restrictions
2.00% $500 5235.92
2.00% $10,000 5158.45
2.00% $500 5281.10
2.00% $1,000 5270.82
Promedica
Restrictions
2.00% $500 5284.42
Century
Restrictions
1.99% $500 5200.53
Firelands
Restrictions
1.99% $500 5235.43
Bridge
Restrictions
1.95% $1,000 5196.22
Community First
Restrictions
1.92% $500 5166.98
Taleris
Restrictions
1.90% $1,000 5188.44
Ashland
Restrictions
1.90% $500 5204.63
Emery
Restrictions
1.86% $500 5229.93
Truliant
Restrictions
1.85% $100,000 5152.64
Vacationland
Restrictions
1.85% $500 5233.36
Dover-phila
Restrictions
1.85% $500 5145.38
First Service
Restrictions
1.81% $1,000 5185.33
Lakeview
Restrictions
1.80% $500 5167.34
1.77% $10,000 5195.15
Firestone
Restrictions
1.76% $5,000 5167.69
Sun
Restrictions
1.76% $1,000 5284.46
Truliant
Restrictions
1.75% $5,000 5152.64
1.71% $500 5190.10
1.70% $1,000 5176.75
Summit
Restrictions
1.70% $500 5169.25
Towpath
Restrictions
1.70% $500 5176.05
1.65% $500 5203.88
Baxter
Restrictions
1.65% $500 5204.68
1.65% $500 5192.94
Ohio Catholic
Restrictions
1.65% $100,000 -
Usx
Restrictions
1.65% $10,000 5262.68
1.65% $1,000 5164.91
1.65% $1,000 5185.62
Desco
Restrictions
1.61% $500 5149.18
Fremont
Restrictions
1.61% $5,000 5250.44
Sharefax
Restrictions
1.61% $500 5218.61
Aurgroup
Restrictions
1.60% $500 5239.54
1.60% $500 5284.02
Ohio University
Restrictions
1.60% $100,000 5128.91
Cme
Restrictions
1.56% $500 5193.42
Midusa
Restrictions
1.51% $500 5236.82
Fremont
Restrictions
1.51% $1,000 5250.44
Bayer Heritage
Restrictions
1.51% $500 5149.42
Ohio Catholic
Restrictions
1.50% $25,000 -
Cinfed
Restrictions
1.50% $500 5230.89
Penalty for early withdrawal
1.50% $500 6688.40
1.50% $500 5237.32
Three Rivers
Restrictions
1.50% $1,000 5277.27
Bmi
Restrictions
1.50% $500 5196.51
Ohio Catholic
Restrictions
1.45% $500 -
Ohio University
Restrictions
1.40% $500 5128.91
Seven Seventeen
Restrictions
1.40% $500 5145.02
Hopewell
Restrictions
1.35% $500 5170.91
Ohio Catholic
Restrictions
1.35% $500 5165.26
Atomic
Restrictions
1.26% $1,000 5160.54
1.25% $1,000 5177.46
Steel Valley
Restrictions
1.25% $500 5191.78
Ohio Educational
Restrictions
1.21% $500 5192.26
1.11% $500 5103.47
Truecore
Restrictions
1.10% $500 5172.55
1.06% $500 5182.32
United
Restrictions
1.00% $500 5223.46
C E S
Restrictions
1.00% $500 5185.64
Midwest Community
Restrictions
0.95% $10,000 5304.88
Cleveland Police
Restrictions
0.95% $500 5192.70
Golden Circle
Restrictions
0.93% $100,000 5155.96
0.90% $100,000 5155.96
Medina County
Restrictions
0.80% $1,000 5178.29
0.75% $1,000 5182.55
0.75% $500 5230.74
0.70% $500 5232.16
Advantage
Restrictions
0.60% $500 5205.83
Partners 1st
Restrictions
0.57% $500 5280.05
Golden Circle
Restrictions
0.50% $1,000 5155.96
0.45% $10,000 5158.19
0.45% $1,000 5159.13
Bfg
Restrictions
0.35% $10,000 5169.54
All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2019

Credit union certificates of deposit (“CDs”, also commonly called “time deposits�t at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties. {hyperlink: https://www.bestcashcow.com/articles/can-you-always-withdraw-your-money-early-from-a-cd-9178}

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator  {insert hyperlink} in order to understand the importance of compounding interest at higher rates on your money over time.

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