Best Credit Union 5 Year CD Rates in St. Clairsville, Ohio, OH

You are viewing rates from credit unions across St. Clairsville

Below are 5 year CD Rates from credit unions that are located in St. Clairsville, Ohio. Five Year Certificates of Deposit (CD) are generally the longest term CD that most credit unions will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

St. Clairsville, OH - July 17, 2025

5 Year CD National Average : 0.92% ^?

Credit Unions	APY	MIN	MILES ^?
Wright-patt Credit Union, Inc. Beavercreek Branch Restrictions	4.07% 3.97%	$100,000 $500	-	Learn More Add Review
Rate History: 4.18% → 4.07%
Bayer Heritage Zanesville Branch Restrictions	4.03% 3.98%	$100,000 $100	-	Learn More Add Review
Rate History: 3.36% → 3.87% → 4.03%
Baxter Dublin Branch Restrictions	3.60%	$500	-	Learn More Add Review
Rate History: 2.20% → 2.00% → 1.95% → 1.90% → 3.60%
Navy Federal Credit Union Cleveland Branch Restrictions	3.55% 3.50%	$100,000 $1,000	-	Learn More
Rate History: 0.50% → 3.85% → 3.55% → 4.05% → 3.55%
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Truliant Truliant Branch Restrictions	3.40% 3.35% 3.30% 3.24%	$100,000 $25,000 $5,000 $250	-	Learn More Add Review
Rate History: 3.20% → 3.18% → 3.34% → 3.45% → 3.40%
General Electric Reading Road Branch Restrictions	3.05%	$0	-	Learn More Add Review
Rate History: 3.65% → 3.05%
United Marion West - Branch 14 Restrictions	2.85%	$500	-	Learn More Add Review
OHIO CATHOLIC FCU Ohio Catholic Fcu - Akron Branch Restrictions	2.65%	$500	-	Learn More Add Review
Rate History: 2.75% → 2.65%
Three Rivers Saint Marys Branch Restrictions	2.50%	$1,000	-	Learn More Add Review
Connexus Liberty Mutual-fairfield Campus Branch Restrictions	2.50%	$5,000	-	Learn More
Rate History: 3.81% → 3.91% → 3.50% → 3.16% → 2.50%
Josh Hinson \| Feb 3, 2023 So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... Read More Reviews (7)
Midwest Community Main Office Branch Restrictions	1.46%	$100,000	-	Learn More Add Review
Quest Quest Federal Credit Union Branch Restrictions	1.46%	$100,000	-	Learn More Add Review
Cleveland Police Cleveland Police Credit Union, Inc. Branch Restrictions	1.45%	$10,000	-	Learn More
Alfonso white \| Sep 26, 2023 Does Cleveland police credit union use chexsystems Read More Reviews (1)
Ashland Ashland Credit Union Branch Restrictions	1.40%	$100,000	-	Learn More Add Review
Steel Valley Cleveland Branch Restrictions	1.30%	$10,000	-	Learn More Add Review
Ashland Ashland Credit Union Branch Restrictions	1.30%	$10,000	-	Learn More Add Review
Midwest Community Main Office Branch Restrictions	1.26%	$10,000	-	Learn More Add Review
Cornerstone Community Financial Perrsburg Branch Restrictions	1.26%	$100,000	-	Learn More Add Review
Honda Marysville Branch Restrictions	1.26%	$100,000	-	Learn More Add Review
Heartland Office Park Branch Restrictions	1.26%	$10,000	-	Learn More Add Review
Cme Corporate Office Branch Restrictions	1.26%	$100,000	-	Learn More Add Review
Advantage Advantage Credit Union, Inc. Branch Restrictions	1.26%	$10,000	-	Learn More Add Review
Superior Credit Union, Inc Kibby Street Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
Bay Area Main Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
Kemba Corporate Headquarters Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
Day Air Wilmington Pike Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
Homeland Caldwell Branch Restrictions	1.25%	$100,000	-	Learn More Add Review
Ukrainian Osnova Branch Restrictions	1.21%	$10,000	-	Learn More Add Review
Quest Quest Federal Credit Union Branch Restrictions	1.21%	$10,000	-	Learn More Add Review
Desco Desco Branch Restrictions	1.21%	$100,000	-	Learn More Add Review
Millstream Area West Office-main Branch	1.21%	$10,000	-	Learn More Add Review
Cornerstone Community Financial Perrsburg Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Unity Catholic St Charles Office Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Together Columbus Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Trupartner Over-the-rhine Office Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Ohio University Main Office Branch Restrictions	1.20%	$100,000	-	Learn More Add Review
Impact Credit Union, Inc. Impact Credit Union Branch Restrictions	1.16%	$10,000	-	Learn More Add Review
Honda Marysville Branch Restrictions	1.16%	$10,000	-	Learn More Add Review
Telhio Telhio Credit Union Reynoldsburg Branch Restrictions	1.16%	$10,000	-	Learn More Add Review
Atomic Atomic Credit Union Corporate Office Branch Restrictions	1.16%	$10,000	-	Learn More Add Review
Aurgroup Aurgroup Financial Credit Union Branch Restrictions	1.15%	$100,000	-	Learn More Add Review
Firefighters & Company Main Office Branch	1.14%	$10,000	-	Learn More Add Review
Ih Credit Union, Inc. Ih Credit Union Branch	1.11%	$1,000	-	Learn More Add Review
Community One Credit Union Of Ohio Main Office Branch Restrictions	1.11%	$10,000	-	Learn More Add Review
Directions Whiteford Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Everence Kidron Branch Restrictions	1.10%	$100,000	-	Learn More Add Review
Pathways Financial Main Office Branch Restrictions	1.10%	$100,000	-	Learn More Add Review
First Service Groveport Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Homeland Caldwell Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Glass City Bg Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Community Star Main Office Branch Restrictions	1.05%	$100,000	-	Learn More Add Review
Kemba Financial Corporate Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Abbey Abbey Credit Union Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Columbus Metro Columbus Metro Fcu - Whitehall Office Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Cincinnati Ohio Police Cincinnati Ohio Police Fcu Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Desco Desco Branch Restrictions	1.01%	$10,000	-	Learn More Add Review
Cinfed Fob Branch Restrictions	1.00%	$500	-	Learn More Add Review
Promedica Pfcu - Main Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Hancock Hancock Federal Cu Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Erie Community 3311 Tiffin Branch	1.00%	$10,000	-	Learn More Add Review
Community First Credit Union Office Branch Restrictions	1.00%	$100,000	-	Learn More Add Review
Everence Kidron Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Universal 1 Main Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Emery Blue Ash - Main Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Sharefax Batavia Branch Restrictions	1.00%	$100,000	-	Learn More Add Review
Ohio University Main Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Eaton Family Willoughby Hills Branch Office Restrictions	0.96%	$10,000	-	Learn More Add Review
Community Star Main Office Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Pathways Financial Main Office Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Bridge 1980 W Broad St Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
First Choice America Community Steubenville Office Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Commodore Perry Commodore Perry Federal Credit Union Branch	0.90%	$10,000	-	Learn More Add Review
Vacationland Perkins Ave Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Community First Credit Union Office Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Wayne County Community Wayne County Community Fcu Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Summit Akron Office Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Cme Corporate Office Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Aurgroup Aurgroup Financial Credit Union Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Day-met North Office Branch	0.90%	$10,000	-	Learn More Add Review
Vacationland Perkins Ave Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Usx Marathon Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Dover-phila Main Office Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Your Legacy Main Office Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Fremont Main Office Branch Restrictions	0.80%	$1,000	-	Learn More Add Review
Bfg Main Office Branch Restrictions	0.80%	$10,000	-	Learn More
dorr \| Oct 17, 2018 Ive never been able to obtain anything but a signature loan from them and I've been a member with BFG for years. Read More Reviews (1)
Superior Savings Superior Savings Credit Union Branch	0.80%	$10,000	-	Learn More Add Review
Usx Marathon Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Firelands Bellevue Branch Restrictions	0.75%	$10,000	-	Learn More
Budd1976 \| May 6, 2021 I am very disappointed in the Firelands FCU. I tried to re-enroll and was very unsuccessful. I have been a customer of this establishment for five and one half years and have until this point been very h... Read More Reviews (1)
Pse Credit Union, Inc. Main Office Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Lakeview Ashtabula Office Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Seven Seventeen Larchmont Office Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Friends And Family Credit Union Inc 46 Federal Ave Branch Restrictions	0.75%	$10,000	-	Learn More
Robert E. Lee \| Feb 25, 2023 At friends and family credit union on Erie st Massillon Ohio, the people who work there are just great. from the employees in the offices to the very fine Loan officer to the great tellers . Can not say... Read More Reviews (1)
Bmi Grandview Branch Restrictions	0.75%	$10,000	-	Learn More
Addie \| Jun 10, 2019 BMI doesn't provide overdraft, will deny charges, plus charge you $29.00 for those denied charges. Then you also incur a returned payment fee from your recipient of said payment. And they don't even noti... Read More Reviews (1)
Credit Union Of Ohio Hilliard Office Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Truecore Fiberglas Federal Credit Union Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
Sharefax Batavia Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Maumee Valley Maumee Valley Cu Branch	0.70%	$500	-	Learn More Add Review
Greater Wayne Community 328 N Main Branch	0.70%	$10,000	-	Learn More Add Review
Truecore Fiberglas Federal Credit Union Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Hopewell Main Office Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Genfed Financial Akron Office Branch	0.60%	$10,000	-	Learn More Add Review
Medina County Main Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Golden Circle Massillon Branch Restrictions	0.57%	$100,000	-	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 35 Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Firefighters Community Cu St. Clair Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Taleris Granger Road Office Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
C E S Yauger Road Center Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Lake County Educational Lake County Educational Fcu Branch	0.50%	$10,000	-	Learn More Add Review
Century Cfcu North Olmsted Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
United Methodist Financial Credit U Home Office Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Allwealth Allwealth - Downtown Branch	0.50%	$10,000	-	Learn More Add Review
Midusa Plaza Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Greater Cincinnati School Central Parkway Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Ohio Educational Main Office Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Ashland Community Main Office Branch	0.45%	$10,000	-	Learn More Add Review
Golden Circle Massillon Branch Restrictions	0.45%	$1,000	-	Learn More Add Review
Stark Cleveland Ave Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Edu Restrictions	0.40%	$500	-	Learn More Add Review
Cardinal Credit Union, Inc. Main Office Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Postal Family Credit Union, Inc. Main Office Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Emerald Credit Union, Inc. Main Office Branch	0.35%	$10,000	-	Learn More
Ronald Sawyer \| Jun 26, 2023 I was very pleased with the service that Erica gave me when I came in. She was very helpful and very pleasant. Read More Reviews (1)
Towpath Towpath Credit Unioin Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Cincinnati Interagency Main Office Branch Restrictions	0.25%	$10,000	-	Learn More Add Review

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 zip 10116

Branch	Street	City	State
WRIGHT-PATT CREDIT UNION, INC. Beavercreek Beavercreek Branch	1506 N Fairfield Rd	Beavercreek	OH
BAYER HERITAGE Zanesville Zanesville Branch	1917 Ridge Ave	Zanesville	OH
BAYER HERITAGE Zanesville Zanesville Branch	1917 Ridge Ave	Zanesville	OH
WRIGHT-PATT CREDIT UNION, INC. Beavercreek Beavercreek Branch	1506 N Fairfield Rd	Beavercreek	OH
BAXTER Dublin Dublin Branch	7000 Cardinal Pl	Dublin	OH
NAVY FEDERAL CREDIT UNION Cleveland Cleveland Branch	Anthony Celebrezze Federal Office Building, 26th Floor	Cleveland	OH
NAVY FEDERAL CREDIT UNION Cleveland Cleveland Branch	Anthony Celebrezze Federal Office Building, 26th Floor	Cleveland	OH
TRULIANT Truliant Truliant Branch	1835 DUEBER AVENUE, SW	CANTON	OH
TRULIANT Truliant Truliant Branch	1835 DUEBER AVENUE, SW	CANTON	OH
TRULIANT Truliant Truliant Branch	1835 DUEBER AVENUE, SW	CANTON	OH
TRULIANT Truliant Truliant Branch	1835 DUEBER AVENUE, SW	CANTON	OH
GENERAL ELECTRIC Reading Road Reading Road Branch	10485 Reading Rd	Cincinnati	OH
UNITED Marion West - Branch 14 Marion West - Branch 14	1332 Campbell Rd	Marion	OH
OHIO CATHOLIC FCU Ohio Catholic Fcu - Akron Ohio Catholic Fcu - Akron Branch	2720 S. Arlington Rd	Akron	OH
THREE RIVERS Saint Marys Saint Marys Branch	420 Greenville Rd	Saint Marys	OH
CONNEXUS Liberty Mutual-fairfield Campus Liberty Mutual-fairfield Campus Branch	9450 Seward Rd	Fairfield	OH
MIDWEST COMMUNITY Main Office Main Office Branch	8770 N State Route 66	Defiance	OH
QUEST Quest Federal Credit Union Quest Federal Credit Union Branch	12837 US Highway 68	Kenton	OH
CLEVELAND POLICE Cleveland Police Credit Union, Inc. Cleveland Police Credit Union, Inc. Branch	2301 Payne Ave	Cleveland	OH
ASHLAND Ashland Credit Union Ashland Credit Union Branch	5200 BLAZER PKWY	DUBLIN	OH
STEEL VALLEY Cleveland Cleveland Branch	3840 Pearl Rd	Cleveland	OH
ASHLAND Ashland Credit Union Ashland Credit Union Branch	5200 BLAZER PKWY	DUBLIN	OH
MIDWEST COMMUNITY Main Office Main Office Branch	8770 N State Route 66	Defiance	OH
CORNERSTONE COMMUNITY FINANCIAL Perrsburg Perrsburg Branch	28543 Oregon Rd	Perrysburg	OH
HONDA Marysville Branch Marysville Branch	19775 State Route 739	Marysville	OH
HEARTLAND Office Park Office Park Branch	3400 Office Park Dr	Dayton	OH
CME Corporate Office Corporate Office Branch	150 E Mound St	Columbus	OH
ADVANTAGE Advantage Credit Union, Inc. Advantage Credit Union, Inc. Branch	700 Stumbo Rd	Ontario	OH
SUPERIOR CREDIT UNION, INC Kibby Street Branch Kibby Street Branch	1205 E Kibby St	Lima	OH
BAY AREA Main Main Branch	4202 Navarre Ave	Oregon	OH
KEMBA Corporate Headquarters Corporate Headquarters Branch	8763 Union Centre Blvd	West Chester	OH
DAY AIR Wilmington Pike Branch Wilmington Pike Branch	3501 Wilmington Pike	Kettering	OH
HOMELAND Caldwell Caldwell Branch	310 Caldwell St	Chillicothe	OH
UKRAINIAN Osnova Branch Osnova Branch	5602 State Rd	Cleveland	OH
QUEST Quest Federal Credit Union Quest Federal Credit Union Branch	12837 US Highway 68	Kenton	OH
DESCO Desco Desco Branch	414 Washington St	Portsmouth	OH
MILLSTREAM AREA West Office-main West Office-main Branch	1007 Western Ave	Findlay	OH
CORNERSTONE COMMUNITY FINANCIAL Perrsburg Perrsburg Branch	28543 Oregon Rd	Perrysburg	OH
UNITY CATHOLIC St Charles Office St Charles Office Branch	5839 Ridge Rd	Parma	OH
TOGETHER Columbus Columbus Branch	690 Schrock Rd	Columbus	OH
TRUPARTNER Over-the-rhine Office Over-the-rhine Office Branch	1800 Vine St	Cincinnati	OH
OUCU FINANCIAL CREDIT UNION, INC. Main Office Main Office Branch	944 E State St	Athens	OH
IMPACT CREDIT UNION, INC. Impact Credit Union Impact Credit Union Branch	1455 W McPherson Hwy	Clyde	OH
HONDA Marysville Branch Marysville Branch	19775 State Route 739	Marysville	OH
TELHIO Telhio Credit Union Reynoldsburg Telhio Credit Union Reynoldsburg Branch	8010 E Broad St	Reynoldsburg	OH
ATOMIC Atomic Credit Union Corporate Office Atomic Credit Union Corporate Office Branch	711 Beaver Creek Rd	Piketon	OH
AURGROUP Aurgroup Financial Credit Union Aurgroup Financial Credit Union Branch	8811 Holden Blvd	Fairfield	OH
FIREFIGHTERS & COMPANY Main Office Main Office Branch	338 S Patterson Blvd	Dayton	OH
IH CREDIT UNION, INC. Ih Credit Union Ih Credit Union Branch	5000 Urbana Rd	Springfield	OH
COMMUNITY ONE CREDIT UNION OF OHIO Main Office Main Office Branch	6583 Frank Ave NW	North Canton	OH
DIRECTIONS Whiteford Whiteford Branch	5121 Whiteford Rd	Sylvania	OH
EVERENCE Kidron Kidron Branch	4136 Kidron Rd	Dalton	OH
PATHWAYS FINANCIAL Main Office Main Office Branch	5665 N Hamilton Rd	Columbus	OH
FIRST SERVICE Groveport Groveport Branch	100 Main St	Groveport	OH
HOMELAND Caldwell Caldwell Branch	310 Caldwell St	Chillicothe	OH
GLASS CITY Bg Branch Bg Branch	1275 N Main St	Bowling Green	OH
COMMUNITY STAR Main Office Main Office Branch	832 Cleveland St	Elyria	OH
KEMBA FINANCIAL Corporate Corporate Branch	555 Officenter Pl	Gahanna	OH
ABBEY Abbey Credit Union Abbey Credit Union Branch	800 Falls Creek Dr	Vandalia	OH
COLUMBUS METRO Columbus Metro Fcu - Whitehall Office Columbus Metro Fcu - Whitehall Office Branch	4000 E Broad St	Columbus	OH
CINCINNATI OHIO POLICE Cincinnati Ohio Police Fcu Cincinnati Ohio Police Fcu Branch	959 W 8th St	Cincinnati	OH
DESCO Desco Desco Branch	414 Washington St	Portsmouth	OH
CINFED Fob Fob Branch	550 Main St	Cincinnati	OH
PROMEDICA Pfcu - Main Pfcu - Main Branch	2301 W Central Ave	Toledo	OH
HANCOCK Hancock Federal Cu Hancock Federal Cu Branch	125 Trenton Ave	Findlay	OH
ERIE COMMUNITY 3311 Tiffin 3311 Tiffin Branch	3311 Tiffin Ave	Sandusky	OH
COMMUNITY FIRST Credit Union Office Credit Union Office Branch	2043 E Prospect Rd	Ashtabula	OH
EVERENCE Kidron Kidron Branch	4136 Kidron Rd	Dalton	OH
UNIVERSAL 1 Main Office Main Office Branch	1 River Park Dr	Dayton	OH
EMERY Blue Ash - Main Blue Ash - Main Branch	7890 E Kemper Rd	Cincinnati	OH
SHAREFAX Batavia Batavia Branch	1147 OLD STATE ROUTE 74	BATAVIA	OH
OUCU FINANCIAL CREDIT UNION, INC. Main Office Main Office Branch	944 E State St	Athens	OH
EATON FAMILY Willoughby Hills Branch Office Willoughby Hills Branch Office	28954 Chardon Rd	Willoughby Hills	OH
COMMUNITY STAR Main Office Main Office Branch	832 Cleveland St	Elyria	OH
PATHWAYS FINANCIAL Main Office Main Office Branch	5665 N Hamilton Rd	Columbus	OH
BRIDGE 1980 W Broad St 1980 W Broad St Branch	1980 W Broad St	Columbus	OH
FIRST CHOICE AMERICA COMMUNITY Steubenville Office Steubenville Office Branch	1835 Sunset Blvd	Steubenville	OH
COMMODORE PERRY Commodore Perry Federal Credit Union Commodore Perry Federal Credit Union Branch	1711 W FREMONT RD	PORT CLINTON	OH
VACATIONLAND Perkins Ave Perkins Ave Branch	2409 E Perkins Ave	Sandusky	OH
COMMUNITY FIRST Credit Union Office Credit Union Office Branch	2043 E Prospect Rd	Ashtabula	OH
WAYNE COUNTY COMMUNITY Wayne County Community Fcu Wayne County Community Fcu Branch	311 Kaufman Drive	Smithville	OH
SUMMIT Akron Office Akron Office Branch	100 Wheeler St	Akron	OH
CME Corporate Office Corporate Office Branch	150 E Mound St	Columbus	OH
AURGROUP Aurgroup Financial Credit Union Aurgroup Financial Credit Union Branch	8811 Holden Blvd	Fairfield	OH
DAY-MET North Office North Office Branch	4988 Wagner Ford Rd	Dayton	OH
VACATIONLAND Perkins Ave Perkins Ave Branch	2409 E Perkins Ave	Sandusky	OH
USX Marathon Marathon Branch	539 S Main St	Findlay	OH
DOVER-PHILA Main Office Main Office Branch	119 Filmore Ave	Dover	OH
YOUR LEGACY Main Office Main Office Branch	25 Shaffer Park Dr	Tiffin	OH
FREMONT Main Office Main Office Branch	315 Croghan St	Fremont	OH
BFG Main Office Main Office Branch	445 S Main St	Akron	OH
SUPERIOR SAVINGS Superior Savings Credit Union Superior Savings Credit Union Branch	1807 Lincoln Way E	Massillon	OH
USX Marathon Marathon Branch	539 S Main St	Findlay	OH
FIRELANDS Bellevue Branch Bellevue Branch	221 E Main St	Bellevue	OH
PSE CREDIT UNION, INC. Main Office Main Office Branch	5255 Regency Dr	Parma	OH
LAKEVIEW Ashtabula Office Ashtabula Office Branch	2909 State Rd	Ashtabula	OH
SEVEN SEVENTEEN Larchmont Office Larchmont Office Branch	3181 Larchmont Ave NE	Warren	OH
FRIENDS AND FAMILY CREDIT UNION INC 46 Federal Ave 46 Federal Ave Branch	46 Federal Ave NW	Massillon	OH
BMI Grandview Branch Grandview Branch	760 Kinnear Rd	Columbus	OH
CREDIT UNION OF OHIO Hilliard Office Hilliard Office Branch	5500 Britton Pkwy	Hilliard	OH
TRUECORE Fiberglas Federal Credit Union Fiberglas Federal Credit Union Branch	215 Deo Dr	newark	OH
SHAREFAX Batavia Batavia Branch	1147 OLD STATE ROUTE 74	BATAVIA	OH
MAUMEE VALLEY Maumee Valley Cu Maumee Valley Cu Branch	1070 Commerce Dr Bldg A	Perrysburg	OH
GREATER WAYNE COMMUNITY 328 N Main 328 N Main Branch	328 N Main St	Rittman	OH
TRUECORE Fiberglas Federal Credit Union Fiberglas Federal Credit Union Branch	215 Deo Dr	newark	OH
HOPEWELL Main Office Main Office Branch	501 Hopewell Dr	Heath	OH
GENFED FINANCIAL Akron Office Akron Office Branch	2492 Wedgewood Dr Ste B	Akron	OH
MEDINA COUNTY Main Branch Main Branch	1353 Reimer Rd	Wadsworth	OH
GOLDEN CIRCLE Massillon Massillon Branch	4118 Lincoln Way E	Massillon	OH
PARTNERS 1ST Partners 1st Fcu, Br. 35 Partners 1st Fcu, Br. 35 Branch	900 N Perry St	Ottawa	OH
FIREFIGHTERS COMMUNITY CU St. Clair St. Clair Branch	2300 Saint Clair Ave NE	Cleveland	OH
TALERIS Granger Road Office Granger Road Office Branch	1250 E Granger Rd	Cleveland	OH
C E S Yauger Road Center Yauger Road Center Branch	1215 Yauger Rd	Mount Vernon	OH
LAKE COUNTY EDUCATIONAL Lake County Educational Fcu Lake County Educational Fcu Branch	1595 Mentor Ave	Painesville	OH
CENTURY Cfcu North Olmsted Branch Cfcu North Olmsted Branch	28251 Lorain Rd	North Olmsted	OH
CHRISTIAN FAMILY Home Office Home Office Branch	8800 Cleveland Ave NW	North Canton	OH
ALLWEALTH Allwealth - Downtown Allwealth - Downtown Branch	309 Court St	Hamilton	OH
MYUSA Plaza Plaza Branch	3600 Towne Blvd	Middletown	OH
GREATER CINCINNATI SCHOOL Central Parkway Central Parkway Branch	2721 Central Pkwy	Cincinnati	OH
OHIO EDUCATIONAL Main Office Main Office Branch	2554 E 22nd St	Cleveland	OH
ASHLAND COMMUNITY Main Office Main Office Branch	1123 Sugarbush Dr	Ashland	OH
GOLDEN CIRCLE Massillon Massillon Branch	4118 Lincoln Way E	Massillon	OH
STARK Cleveland Ave Cleveland Ave Branch	3426 Cleveland Ave NW	Canton	OH
CARDINAL CREDIT UNION, INC. Main Office Main Office Branch	8500 Westport Dr	Mentor	OH
POSTAL FAMILY CREDIT UNION, INC. Main Office Main Office Branch	1243 W 8TH ST	CINCINNATI	OH
EMERALD CREDIT UNION, INC. Main Office Main Office Branch	13201 GRANGER RD STE 1	GARFIELD HTS	OH
TOWPATH Towpath Credit Unioin Towpath Credit Unioin Branch	2969 Smith Rd	Fairlawn	OH
CINCINNATI INTERAGENCY Main Office Main Office Branch	26 Martin Luther King Dr W	Cincinnati	OH

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PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” 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.

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 in order to understand the importance of compounding interest at higher rates on your money over time.

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FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

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

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)?

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