Best Credit Union 6 Month CD Rates in Ohio, OH

You are viewing rates from credit unions across Ohio

Below are the best six month CD Rates from credit unions in 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.

OH - July 31, 2025

6 Month CD National Average : 0.41% ^?

Credit Unions	APY	MIN	MILES ^?
Three Rivers Three Rivers Branch Restrictions	4.15%	$500	-	Learn More Add Review
Rate History: 5.15% → 5.00% → 4.80% → 4.55% → 4.15%
Wright-patt Credit Union, Inc. Norwood Branch Restrictions	3.97% 3.87%	$100,000 $500	-	Learn More Add Review
Rate History: 5.27% → 3.97%
General Electric Reading Road Branch Restrictions	3.90%	$0	-	Learn More Add Review
Rate History: 4.25% → 3.90%
State Employees' Restrictions	3.90%	$250	-	Learn More Add Review
Rate History: 4.50% → 4.40% → 4.25% → 3.90%
Corporate America Family Corporate America Fa Branch Restrictions	3.30% 3.25%	$10,000 $1,000	-	Learn More Add Review
Truliant Truliant Branch Restrictions	3.00% 2.95% 2.90% 2.84%	$100,000 $25,000 $5,000 $250	-	Learn More Add Review
Rate History: 1.21% → 3.00% → 3.00%
Department of Commerce Restrictions	2.23%	$500	-	Learn More
Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
Baxter Baxter Branch Restrictions	1.60%	$500	-	Learn More Add Review
Rate History: 2.10% → 1.85% → 1.75% → 4.25% → 1.60%
United United Branch Restrictions	1.35%	$500	-	Learn More Add Review
Gorman-rupp & Associates Gorman-rupp & Associ Branch Restrictions	1.01%	$100,000	-	Learn More Add Review
Bayer Heritage Zanesville Branch Restrictions	1.01%	$100	-	Learn More Add Review
Rate History: 5.13% → 4.60% → 4.34% → 3.93% → 1.01%
Riverview Restrictions	1.00%	$500	-	Learn More Add Review
Columbus Metro Columbus Metro Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Ohio Valley Community Restrictions	0.75%	$10,000	-	Learn More Add Review
Honda Honda Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Midwest Community Midwest Community Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Honda Honda Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Ashland Ashland Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Kemba Kemba Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Firefighters & Company Dayton Firefighters Branch	0.61%	$10,000	-	Learn More Add Review
Superior Credit Union, Inc North Drive Up Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Community First Community First Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Kemba Financial Kemba Financial Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Heartland Heartland Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Columbus Metro Columbus Metro Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Bridge State Transportation Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Bay Area Bay Area Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Ashland Ashland Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Aurgroup Aurgroup Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Desco Desco Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Usx Usx Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Community Star Community Star Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Pse Credit Union, Inc. Pse Credit Union, In Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Cleveland Police Cleveland Police Branch Restrictions	0.50%	$10,000	-	Learn More
Alfonso white \| Sep 26, 2023 Does Cleveland police credit union use chexsystems Read More Reviews (1)
Lakeview Geneva Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Everence Mennonite Financial Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Pathways Financial Powerco Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Telhio Telhio Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Cme Westerville Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Together Anheuser-busch Emplo Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Bridge State Transportation Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
River Valley	0.50%	$10,000	-	Learn More Add Review
Trupartner Cincinnati Central Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Sharefax Sharefax Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Sorg Bay West Sorg Bay West Branch	0.50%	$10,000	-	Learn More Add Review
Atrium Atrium Branch	0.50%	$10,000	-	Learn More Add Review
Ih Credit Union, Inc. Branch Office	0.48%	$1,000	-	Learn More Add Review
Midwest Community Midwest Community Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Promedica Promedica Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Hancock Hancock Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Community One Credit Union Of Ohio Community One Credit Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Day Air Day Air Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Ohio University Ohio University Branch Restrictions	0.45%	$100,000	-	Learn More Add Review
New Horizon New Horizon Branch	0.40%	$100,000	-	Learn More Add Review
Cinfed Oakley Corporate Headquarters Branch Restrictions	0.40%	$500	-	Learn More Add Review
Usx Usx Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Community Star Community Star Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Ukrainian Osnova Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Everence Mennonite Financial Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Abbey Abbey Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Code Code Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Homeland Homeland Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Gorman-rupp & Associates Gorman-rupp & Associ Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Integrity Integrity Branch	0.35%	$10,000	-	Learn More Add Review
Dover-phila Dover-phila Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Cincinnati Ohio Police Cincinnati Ohio Poli Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Desco Desco Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Glass City Glass City Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Cornerstone Community Financial Perrsburg Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Millstream Area Millstream Area Branch	0.30%	$10,000	-	Learn More Add Review
Unity Catholic Brunswick Office Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Wayne County Community Wayne County Communi Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
New Horizon New Horizon Branch	0.30%	$10,000	-	Learn More Add Review
First Service First Service Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Aurgroup Aurgroup Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Greater Cincinnati School Greater Cincinnati S Branch Restrictions	0.30%	$100,000	-	Learn More Add Review
Painesville Credit Union Painesville Credit U Branch Restrictions	0.26%	$100,000	-	Learn More Add Review
Directions Directions Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Sun Sun Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Champion Champion Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Toledo Fire Fighters Toledo Fire Fighters Branch	0.25%	$10,000	-	Learn More Add Review
Erie Community Erie Community Branch	0.25%	$10,000	-	Learn More Add Review
Firefighters Community Cu Firefighters Communi Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Geauga Geauga Branch Restrictions	0.25%	$500	-	Learn More Add Review
Summit Summit Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Atomic Atomic Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
First Choice America Community Steubenville Office Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Midusa Midusa Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Homeland Homeland Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Emery Mason Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Ohio University Ohio University Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Sharefax Sharefax Branch Restrictions	0.23%	$10,000	-	Learn More Add Review
Painesville Credit Union Painesville Credit U Branch Restrictions	0.21%	$10,000	-	Learn More Add Review
Stark Main Office Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Greenstate Restrictions	0.20%	$500	-	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
Eaton Family Eaton Family Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
C E S C E S Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Universal 1 Universal 1 Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Clearview Restrictions	0.20%	$10,000	-	Learn More Add Review
Greater Cincinnati School Greater Cincinnati S Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Golden Circle Golden Circle Branch Restrictions	0.19%	$100,000	-	Learn More Add Review
Genfed Financial Lorain Office - Oberlin Ave Branch	0.15%	$10,000	-	Learn More Add Review
Maumee Valley Maumee Valley Branch	0.15%	$500	-	Learn More Add Review
Impact Credit Union, Inc. Clyde-findlay Area Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Vacationland Vacationland Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Your Legacy Tiffin St. Joseph Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Cardinal Credit Union, Inc. Cardinal Community Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Century Century Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Taleris Taleris Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Steel Valley Steel Valley Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Emerald Credit Union, Inc. Emerald Group Branch	0.15%	$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)
Seven Seventeen Seven Seventeen Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Ashland Community Ashland Community Branch	0.15%	$10,000	-	Learn More Add Review
United Methodist Financial Credit U East Oh United Metho Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Superior Savings Superior Savings Branch	0.15%	$10,000	-	Learn More Add Review
Cme Westerville Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Credit Union Of Ohio Credit Union Of Ohio Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Truecore Fiberglas Branch Restrictions	0.15%	$100,000	-	Learn More Add Review
Hopewell Hopewell Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Allwealth Allwealth Branch	0.15%	$10,000	-	Learn More Add Review
Freedom First Freedom First Branch	0.15%	$10,000	-	Learn More Add Review
Postal Family Credit Union, Inc. Postal Family Credit Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Golden Circle Golden Circle Branch Restrictions	0.10%	$1,000	-	Learn More Add Review
Fremont Fremont Branch Restrictions	0.10%	$1,000	-	Learn More Add Review
Commodore Perry Commodore Perry Branch	0.10%	$10,000	-	Learn More Add Review
Partners 1st Partners 1st Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
Wes Wes Branch	0.10%	$10,000	-	Learn More Add Review
Advantage Advantage Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
Medina County Medina County Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
Bfg Bfg Branch Restrictions	0.10%	$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)
Bmi Bmi Branch Restrictions	0.10%	$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)
Truecore Fiberglas Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
Southeastern Ohio Southeastern Ohio Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
Lormet Community Lormet Community Branch Restrictions	0.05%	$10,000	-	Learn More Add Review
Ohio Educational Ohio Educational Branch Restrictions	0.05%	$10,000	-	Learn More Add Review
Friends And Family Credit Union Inc Massillon Area Branch Restrictions	0.05%	$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)
Cincinnati Interagency Cincinnati Interagen Branch Restrictions	0.05%	$10,000	-	Learn More Add Review
Firelands Firelands Branch Restrictions	0.03%	$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)
Edu Restrictions	0.01%	$500	-	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 10007

Branch	Street	City	State
THREE RIVERS Three Rivers Three Rivers Branch	420 Greenville Road	Saint Marys	OH
WRIGHT-PATT CREDIT UNION, INC. Norwood Norwood Branch	4560 Lafayette Ave	Norwood	OH
GENERAL ELECTRIC Reading Road Reading Road Branch	10485 Reading Rd	Cincinnati	OH
WRIGHT-PATT CREDIT UNION, INC. Norwood Norwood Branch	4560 Lafayette Ave	Norwood	OH
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	136 McMahan Blvd	Marion	OH
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	136 McMahan Blvd	Marion	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
BAXTER Baxter Baxter Branch	7000 Cardinal Place	Dublin	OH
UNITED United United Branch	116 Eastlawn Drive	Marion	OH
GORMAN-RUPP & ASSOCIATES Gorman-rupp & Associ Gorman-rupp & Associ Branch	1766 HARRINGTON MEMORIAL ROAD	MANSFIELD	OH
BAYER HERITAGE Zanesville Zanesville Branch	1917 Ridge Ave	Zanesville	OH
COLUMBUS METRO Columbus Metro Columbus Metro Branch	4000 E Broad St	Columbus	OH
HONDA Honda Honda Branch	12500 Meranda Road	Anna	OH
MIDWEST COMMUNITY Midwest Community Midwest Community Branch	08770 St Rt 66N	Defiance	OH
HONDA Honda Honda Branch	12500 Meranda Road	Anna	OH
ASHLAND Ashland Ashland Branch	5200 BLAZER PKWY	DUBLIN	OH
KEMBA Kemba Kemba Branch	8763 Union Centre Blvd	West Chester	OH
FIREFIGHTERS & COMPANY Dayton Firefighters Dayton Firefighters Branch	338 S. Patterson Blvd	Dayton	OH
SUPERIOR CREDIT UNION, INC North Drive Up North Drive Up Branch	1400 N West St	Lima	OH
COMMUNITY FIRST Community First Community First Branch	2043 E Prospect Rd	Ashtabula	OH
KEMBA FINANCIAL Kemba Financial Kemba Financial Branch	555 Officenter Place	Gahanna	OH
HEARTLAND Heartland Heartland Branch	3400 Office Park Dr	Dayton	OH
COLUMBUS METRO Columbus Metro Columbus Metro Branch	4000 E Broad St	Columbus	OH
BRIDGE State Transportation State Transportation Branch	1980 W Broad St	Columbus	OH
BAY AREA Bay Area Bay Area Branch	4202 Navarre Avenue	Oregon	OH
ASHLAND Ashland Ashland Branch	5200 BLAZER PKWY	DUBLIN	OH
AURGROUP Aurgroup Aurgroup Branch	8811 Holden Blvd	Fairfield	OH
DESCO Desco Desco Branch	401 Chillicothe St	Portsmouth	OH
USX Usx Usx Branch	539 South Main St	Findlay	OH
COMMUNITY STAR Community Star Community Star Branch	832 Cleveland Street	Elyria	OH
PSE CREDIT UNION, INC. Pse Credit Union, In Pse Credit Union, In Branch	5255 Regency Drive	Parma	OH
CLEVELAND POLICE Cleveland Police Cleveland Police Branch	2301 Payne Avenue	Cleveland	OH
LAKEVIEW Geneva Branch Geneva Branch	583 S Broadway	Geneva	OH
EVERENCE Mennonite Financial Mennonite Financial Branch	4136 Kidron Rd	Dalton	OH
PATHWAYS FINANCIAL Powerco Powerco Branch	5665 N. Hamilton Rd.	Columbus	OH
TELHIO Telhio Telhio Branch	96 N 4th Street	Columbus	OH
CME Westerville Branch Westerville Branch	428 S State St	Westerville	OH
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	690 Schrock Road	Columbus	OH
BRIDGE State Transportation State Transportation Branch	1980 W Broad St	Columbus	OH
TRUPARTNER Cincinnati Central Cincinnati Central Branch	1717 Western Avenue	Cincinnati	OH
SHAREFAX Sharefax Sharefax Branch	1147 OLD STATE ROUTE 74	BATAVIA	OH
SORG BAY WEST Sorg Bay West Sorg Bay West Branch	400 N. BROAD STREET	MIDDLETOWN	OH
ATRIUM Atrium Atrium Branch	6051 Market Ave. Suite "C"	Franklin	OH
IH CREDIT UNION, INC. Branch Office Branch Office	731 Scioto St	urbana	OH
MIDWEST COMMUNITY Midwest Community Midwest Community Branch	08770 St Rt 66N	Defiance	OH
PROMEDICA Promedica Promedica Branch	2301 West Central Avenue	Toledo	OH
HANCOCK Hancock Hancock Branch	1701 E. Melrose Ave.	Findlay	OH
COMMUNITY ONE CREDIT UNION OF OHIO Community One Credit Community One Credit Branch	6583 Frank Ave NW	North Canton	OH
DAY AIR Day Air Day Air Branch	3501 Wilmington Pike	Kettering	OH
OUCU FINANCIAL CREDIT UNION, INC. Ohio University Ohio University Branch	944 East State Street	Athens	OH
NEW HORIZON New Horizon New Horizon Branch	180 2nd St SW	Barberton	OH
CINFED Oakley Corporate Headquarters Oakley Corporate Headquarters Branch	4801 Kennedy Avenue	Cincinnati	OH
USX Usx Usx Branch	539 South Main St	Findlay	OH
COMMUNITY STAR Community Star Community Star Branch	832 Cleveland Street	Elyria	OH
UKRAINIAN Osnova Branch Osnova Branch	5602 State Rd	Cleveland	OH
EVERENCE Mennonite Financial Mennonite Financial Branch	4136 Kidron Rd	Dalton	OH
ABBEY Abbey Abbey Branch	800 Falls Creek Dr	Vandalia	OH
CODE Code Code Branch	355 W Monument Ave	Dayton	OH
HOMELAND Homeland Homeland Branch	310 Caldwell St	Chillicothe	OH
GORMAN-RUPP & ASSOCIATES Gorman-rupp & Associ Gorman-rupp & Associ Branch	1766 HARRINGTON MEMORIAL ROAD	MANSFIELD	OH
INTEGRITY Integrity Integrity Branch	971 WOOSTER RD W	BARBERTON	OH
DOVER-PHILA Dover-phila Dover-phila Branch	119 FILLMORE AVE	DOVER	OH
CINCINNATI OHIO POLICE Cincinnati Ohio Poli Cincinnati Ohio Poli Branch	959 W 8th St	Cincinnati	OH
DESCO Desco Desco Branch	401 Chillicothe St	Portsmouth	OH
GLASS CITY Glass City Glass City Branch	1340 Arrowhead Dr	Maumee	OH
CORNERSTONE COMMUNITY FINANCIAL Perrsburg Perrsburg Branch	28543 Oregon Rd	Perrysburg	OH
MILLSTREAM AREA Millstream Area Millstream Area Branch	1007 Western Ave	Findlay	OH
UNITY CATHOLIC Brunswick Office Brunswick Office Branch	1500 Pearl Rd	Brunswick	OH
WAYNE COUNTY COMMUNITY Wayne County Communi Wayne County Communi Branch	311 KAUFMAN DRIVE	SMITHVILLE	OH
NEW HORIZON New Horizon New Horizon Branch	180 2nd St SW	Barberton	OH
FIRST SERVICE First Service First Service Branch	100 Main Street	Groveport	OH
AURGROUP Aurgroup Aurgroup Branch	8811 Holden Blvd	Fairfield	OH
GREATER CINCINNATI SCHOOL Greater Cincinnati S Greater Cincinnati S Branch	2721 Central Parkway	Cincinnati	OH
PAINESVILLE CREDIT UNION Painesville Credit U Painesville Credit U Branch	66 N. STATE STREET	PAINESVILLE	OH
DIRECTIONS Directions Directions Branch	5121 WHITEFORD RD	SYLVANIA	OH
SUN Sun Sun Branch	1627 HOLLAND RD.	MAUMEE	OH
CHAMPION Champion Champion Branch	4140 West Laskey Rd	Toledo	OH
TOLEDO FIRE FIGHTERS Toledo Fire Fighters Toledo Fire Fighters Branch	2800 W Laskey Road	Toledo	OH
ERIE COMMUNITY Erie Community Erie Community Branch	4416 Milan Rd	Sandusky	OH
FIREFIGHTERS COMMUNITY CU Firefighters Communi Firefighters Communi Branch	2300 St. Clair Ave	Cleveland	OH
GEAUGA Geauga Geauga Branch	14499 n cheshire	burton	OH
SUMMIT Summit Summit Branch	100 WHEELER ST.	AKRON	OH
ATOMIC Atomic Atomic Branch	711 Beaver Creek Rd	Piketon	OH
FIRST CHOICE AMERICA COMMUNITY Steubenville Office Steubenville Office Branch	1835 Sunset Blvd	Steubenville	OH
MYUSA Midusa Midusa Branch	3600 TOWNE BLVD	FRANKLIN	OH
HOMELAND Homeland Homeland Branch	310 Caldwell St	Chillicothe	OH
EMERY Mason Mason Branch	7500 Innovation Way	Mason	OH
OUCU FINANCIAL CREDIT UNION, INC. Ohio University Ohio University Branch	944 East State Street	Athens	OH
SHAREFAX Sharefax Sharefax Branch	1147 OLD STATE ROUTE 74	BATAVIA	OH
PAINESVILLE CREDIT UNION Painesville Credit U Painesville Credit U Branch	66 N. STATE STREET	PAINESVILLE	OH
STARK Main Office Main Office Branch	4100 dressler rd nw	canton	OH
EATON FAMILY Eaton Family Eaton Family Branch	333 Babbitt Road, Suite 100	Euclid	OH
C E S C E S C E S Branch	1215 Yauger Road	Mount Vernon	OH
UNIVERSAL 1 Universal 1 Universal 1 Branch	One River Park Drive	Dayton	OH
GREATER CINCINNATI SCHOOL Greater Cincinnati S Greater Cincinnati S Branch	2721 Central Parkway	Cincinnati	OH
GOLDEN CIRCLE Golden Circle Golden Circle Branch	4118 Lincolnway E	Massillon	OH
GENFED FINANCIAL Lorain Office - Oberlin Ave Lorain Office - Oberlin Ave Branch	5320 Oberlin Ave	Lorain	OH
MAUMEE VALLEY Maumee Valley Maumee Valley Branch	28 Fearing Blvd. N	Toledo	OH
IMPACT CREDIT UNION, INC. Clyde-findlay Area Clyde-findlay Area Branch	1455 W McPherson Hwy	Clyde	OH
VACATIONLAND Vacationland Vacationland Branch	2409 E Perkins Ave	Sandusky	OH
YOUR LEGACY Tiffin St. Joseph Tiffin St. Joseph Branch	25 Shaffer Park Dr.	Tiffin	OH
CARDINAL CREDIT UNION, INC. Cardinal Community Cardinal Community Branch	8500 Westport Dr	Mentor	OH
CENTURY Century Century Branch	1240 East Ninth Street, AJC Federal	Cleveland	OH
TALERIS Taleris Taleris Branch	1250 East Granger Road	Cleveland	OH
STEEL VALLEY Steel Valley Steel Valley Branch	3840 Pearl Road	Cleveland	OH
EMERALD CREDIT UNION, INC. Emerald Group Emerald Group Branch	5422 E 96TH ST STE 110	GARFIELD HTS	OH
SEVEN SEVENTEEN Seven Seventeen Seven Seventeen Branch	3181 Larchmont Ave NE	Warren	OH
ASHLAND COMMUNITY Ashland Community Ashland Community Branch	1123 Sugarbush Dr	Ashland	OH
CHRISTIAN FAMILY East Oh United Metho East Oh United Metho Branch	8800 Cleveland Ave., NW	North Canton	OH
SUPERIOR SAVINGS Superior Savings Superior Savings Branch	1807 Lincoln Way East	Massillon	OH
CME Westerville Branch Westerville Branch	428 S State St	Westerville	OH
CREDIT UNION OF OHIO Credit Union Of Ohio Credit Union Of Ohio Branch	5500 Britton Parkway	Hilliard	OH
TRUECORE Fiberglas Fiberglas Branch	215 deo drive	newark	OH
HOPEWELL Hopewell Hopewell Branch	501 Hopewell Drive	Heath	OH
ALLWEALTH Allwealth Allwealth Branch	309 Court Street	Hamilton	OH
FREEDOM FIRST Freedom First Freedom First Branch	1645 Webster Street	Dayton	OH
POSTAL FAMILY CREDIT UNION, INC. Postal Family Credit Postal Family Credit Branch	1243 WEST 8TH STREET	CINCINNATI	OH
GOLDEN CIRCLE Golden Circle Golden Circle Branch	4118 Lincolnway E	Massillon	OH
FREMONT Fremont Fremont Branch	315 Croghan St.	Fremont	OH
COMMODORE PERRY Commodore Perry Commodore Perry Branch	1711 W FREMONT RD	PORT CLINTON	OH
PARTNERS 1ST Partners 1st Partners 1st Branch	900 N. Perry Street	Ottawa	OH
WES Wes Wes Branch	38024 Second St.	Willoughby	OH
ADVANTAGE Advantage Advantage Branch	700 Stumbo Road	Mansfield	OH
MEDINA COUNTY Medina County Medina County Branch	1353 Reimer Rd	Wadsworth	OH
BFG Bfg Bfg Branch	445 South Main St	Akron	OH
BMI Bmi Bmi Branch	6165 Emerald Pkwy	Dublin	OH
TRUECORE Fiberglas Fiberglas Branch	215 deo drive	newark	OH
SOUTHEASTERN OHIO Southeastern Ohio Southeastern Ohio Branch	115 Market Street	Cambridge	OH
LORMET COMMUNITY Lormet Community Lormet Community Branch	2051 Cooper Foster Park Road	Amherst	OH
OHIO EDUCATIONAL Ohio Educational Ohio Educational Branch	2554 East 22nd Street	Cleveland	OH
FRIENDS AND FAMILY CREDIT UNION INC Massillon Area Massillon Area Branch	46 Federal Ave NW	Massillon	OH
CINCINNATI INTERAGENCY Cincinnati Interagen Cincinnati Interagen Branch	26 West ML King Drive, G4	Cincinnati	OH
FIRELANDS Firelands Firelands Branch	221 E Main St	Bellevue	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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PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

NCUA Insurance

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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