Best CD Rates in St. Clairsville, Ohio, OH

You are viewing rates from banks across St. Clairsville

Below are the best one-year CD Rates from banks in St. Clairsville, Ohio. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

St. Clairsville, OH - July 16, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
Farmers & Merchants Bank Farmers & Merchants Bank Branch	5.09% 4.06%	$100,000 $1,000	-	Learn More Add Review
Cf Bank, National Association Cf Bank, National Association Branch	4.50%	$10,000	-	Learn More
alyssa \| Mar 3, 2025 what a nightmare. I spent over 6 weeks working with [name redacted] from CF banks. She was suppose to be getting me approved for a home mortgage that needed to be closed by march 17th 2025. After about 5... Read More Reviews (4)
FCN Bank, National Association Harrison Branch	4.50%	$1,000	-	Learn More Add Review
Westfield Bank, FSB Portage Trail Branch	4.17%	$2,500	-	Learn More Add Review
Rate History: 4.25% → 4.12% → 3.93% → 4.03% → 4.17%
Beal Bank Cincinnati Branch	4.05%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 5.15% → 5.05% → 4.50% → 4.05%
Truist Bank Cincinnati 4th & Walnut Branch	3.75%	$1,000	-	Learn More
Rate History: 3.00% → 3.50% → 4.00% → 3.55% → 3.75%
Customer \| Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More Reviews (6)
S&T Bank Akron Branch	3.75%	$500	-	Learn More
Rate History: 4.00% → 3.75% → 4.00% → 3.75%
Haja@gmail.com \| May 15, 2020 Sucks don’t ever get with this bank Read More Reviews (1)
Northwest Bank Lorain Nb Branch	3.50%	$500	-	Learn More Add Review
Rate History: 4.55% → 4.50% → 4.40% → 3.75% → 3.50%
Citizens Massilon Branch	3.50%	$5,000	-	Learn More
Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Fifth Third Bank, National Association Gibsonburg Branch	3.49% 0.01%	$5,000 $500	-	Learn More
Rate History: 4.70% → 4.00% → 4.30% → 3.30% → 3.49%
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
Third Federal Savings and Loan Association of Cleveland Third Federal Savings And Loan Assoc Branch	3.00%	$500	-	Learn More Add Review
Rate History: 1.50% → 3.00%
Woodforest National Bank Kenton Wal-Mart Branch	2.50%	$500	-	Learn More
Rate History: 3.00% → 2.75% → 2.50% → 4.25% → 2.50%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
JPMorgan Chase Bank, National Association Jpmorgan Chase Bank, National Association Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
United Bank Bellaire Branch	2.00%	$500	-	Learn More
Jimleestro \| Apr 12, 2019 United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More Reviews (1)
Wells Fargo Bank, National Association Van Wert Branch	2.00%	$25,000	-	Learn More
Rate History: 2.00% → 1.50% → 3.25% → 2.00%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
The First National Bank of Pandora The First National Bank Of Pandora Branch	1.11%	$1,000	-	Learn More Add Review
The Peoples Savings and Loan Company The Peoples Savings And Loan Company Branch	0.76%	$10,000	-	Learn More Add Review
The Waterford Commercial and Savings Bank The Waterford Commercial And Savings Branch	0.69%	$100,000	-	Learn More Add Review
The Home Savings and Loan Company of Kenton, Ohio The Home Savings And Loan Company Of Kenton, Ohio Branch	0.65%	$10,000	-	Learn More Add Review
Fidelity Federal Savings and Loan Association of Delaware Fidelity Federal Savings And Loan As Branch	0.65%	$10,000	-	Learn More Add Review
The First National Bank of Bellevue The First National Bank Of Bellevue Branch	0.60%	$100,000	-	Learn More Add Review
The Hamler State Bank The Hamler State Bank Branch	0.60%	$5,000	-	Learn More Add Review
Union Savings Bank Union Savings Bank Branch	0.60%	$10,000	-	Learn More
Patty \| Mar 21, 2020 Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More Reviews (2)
Hometown Bank Hometown Bank Branch	0.60%	$10,000	-	Learn More
Donaldson \| Oct 6, 2023 Awful bank. Poor service, rude and some of the lowest rates out there. Avoid Read More Reviews (1)
First National Bank in New Bremen First National Bank In New Bremen Branch	0.60%	$100,000	-	Learn More Add Review
First National Bank of Pennsylvania Chardon Branch	0.55%	$10,000	-	Learn More
Mark \| Apr 21, 2020 Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More Reviews (1)
Portage Community Bank Portage Community Bank Branch	0.55%	$10,000	-	Learn More Add Review
The Brookville Building and Savings Association The Brookville Building And Savings Branch	0.55%	$10,000	-	Learn More Add Review
Spring Valley Bank Spring Valley Bank Branch	0.50%	$10,000	-	Learn More Add Review
Somerville Bank Somerville Bank Branch	0.50%	$10,000	-	Learn More Add Review
Belmont Savings Bank Belmont Savings Bank Branch	0.50%	$98,000	-	Learn More Add Review
First National Bank in New Bremen First National Bank In New Bremen Branch	0.50%	$10,000	-	Learn More Add Review
Peoples Savings and Loan Company Peoples Savings And Loan Company Branch	0.50%	$10,000	-	Learn More
PeoplesSavingsAndLoanisBad \| Jul 5, 2022 Do not use this bank , they refuse to work with any other financial company and if they decline your for a loan they won’t allow anyone else to give you a loan or business funding so you are stuck. This ... Read More Reviews (1)
First Federal Community Bank of Bucyrus First Federal Community Bank Of Bucy Branch	0.50%	$10,000	-	Learn More Add Review
Wayne Savings Community Bank Stebbins National Bank Of Creston Br Branch	0.50%	$10,000	-	Learn More Add Review
First Bank Richmond Sidney Branch	0.50%	$10,000	-	Learn More Add Review
The Peoples Savings Bank The Peoples Savings Bank Branch	0.50%	$10,000	-	Learn More Add Review
Monroe Federal Savings and Loan Association Monroe Federal Savings And Loan Asso Branch	0.50%	$10,000	-	Learn More Add Review
Union Savings Bank Union Savings Bank Branch	0.50%	$10,000	-	Learn More
Patty \| Mar 21, 2020 Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More Reviews (2)
THE HOME LOAN SAVINGS BANK The Home Loan Savings Bank Branch	0.50%	$10,000	-	Learn More Add Review
Peoples State Bank The Peoples National Bank Of New Lex Branch	0.50%	$10,000	-	Learn More Add Review
Guardian Savings Bank, A Federal Savings Bank Guardian Savings Bank, A Federal Savings Bank Branch	0.50%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
The Waterford Commercial and Savings Bank The Waterford Commercial And Savings Branch	0.49%	$10,000	-	Learn More Add Review
The Citizens Bank Company The Citizens Bank Company Branch	0.47%	$100,000	-	Learn More Add Review
Home National Bank Home National Bank Branch	0.47%	$100,000	-	Learn More Add Review
The First National Bank of Bellevue The First National Bank Of Bellevue Branch	0.45%	$10,000	-	Learn More Add Review
The Covington Savings and Loan Association The Covington Savings And Loan Assoc Branch	0.45%	$10,000	-	Learn More Add Review
The Killbuck Savings Bank Company Danville Branch	0.45%	$100,000	-	Learn More Add Review
The Community Bank The Community Bank Branch	0.45%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.75% → 4.40% → 4.00% → 0.45%
The Harrison Building and Loan Association The Harrison Building And Loan Assoc Branch	0.40%	$10,000	-	Learn More Add Review
RiverHills Bank Riverhills Bank Branch	0.40%	$500	-	Learn More Add Review
The Corn City State Bank The Corn City State Bank Branch	0.40%	$1,000	-	Learn More Add Review
The North Side Bank and Trust Company The North Side Bank And Trust Compan Branch	0.40%	$10,000	-	Learn More Add Review
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	0.40%	$10,000	-	Learn More Add Review
Home National Bank Home National Bank Branch	0.40%	$500	-	Learn More Add Review
Buckeye State Bank Buckeye State Bank Branch	0.40%	$10,000	-	Learn More Add Review
The Genoa Banking Company The Genoa Banking Company Branch	0.40%	$10,000	-	Learn More Add Review
The Antwerp Exchange Bank Company The Antwerp Exchange Bank Company Branch	0.40%	$10,000	-	Learn More Add Review
The Middlefield Banking Company The Middlefield Banking Company Branch	0.40%	$10,000	-	Learn More
Joseph Usher \| May 6, 2015 The BEST BANK for 57years straight. The personel are wonderful to work with. ANYONE that needs Money, Middlefield Bank will be there to help. Read More Reviews (1)
Portage Community Bank Portage Community Bank Branch	0.40%	$100,000	-	Learn More Add Review
The Apple Creek Banking Company The Apple Creek Banking Company Branch	0.40%	$500	-	Learn More Add Review
The Commercial and Savings Bank of Millersburg, Ohio The Commercial And Savings Bank Of Millersburg, Ohio Branch	0.40%	$100,000	-	Learn More Add Review
The Cincinnatus Savings & Loan Co. The Cincinnatus Savings & Loan Co. Branch	0.40%	$10,000	-	Learn More Add Review
Stock Yards Bank & Trust Company Cincinnati Branch	0.40%	$500	-	Learn More Add Review
CNB Bank Bucyrus North Branch	0.38%	$10,000	-	Learn More Add Review
Signature Bank, National Association Signature Bank, National Association Branch	0.35%	$100,000	-	Learn More Add Review
The Citizens Bank Company The Citizens Bank Company Branch	0.35%	$10,000	-	Learn More Add Review
The Killbuck Savings Bank Company Danville Branch	0.35%	$10,000	-	Learn More Add Review
The Savings Bank The Savings Bank Branch	0.35%	$1,000	-	Learn More Add Review
The Farmers & Merchants State Bank The Farmers & Merchants State Bank Branch	0.33%	$100,000	-	Learn More Add Review
New Carlisle Federal Savings Bank New Carlisle Federal Savings Bank Branch	0.32%	$100,000	-	Learn More Add Review
Liberty Bank Liberty Bank Branch	0.30%	$1,000	-	Learn More Add Review
The First National Bank of McConnelsville 11 Public Square Branch	0.30%	$10,000	-	Learn More Add Review
Home Savings Bank of Wapakoneta Home Savings Bank Of Wapakoneta Branch	0.30%	$500	-	Learn More Add Review
Civista Bank New Washington Branch	0.30%	$10,000	-	Learn More
Disappointed \| Feb 5, 2020 We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would n... Read More Reviews (2)
Dollar Bank, Federal Savings Bank Public Square Branch	0.30%	$10,000	-	Learn More Add Review
The Commercial and Savings Bank of Millersburg, Ohio The Commercial And Savings Bank Of Millersburg, Ohio Branch	0.30%	$10,000	-	Learn More Add Review
First Federal Community Bank, National Association First Federal Community Bank, National Association Branch	0.30%	$500	-	Learn More Add Review
Rate History: 0.40% → 0.30%
New Carlisle Federal Savings Bank New Carlisle Federal Savings Bank Branch	0.30%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	0.30%	$10,000	-	Learn More Add Review
North Valley Bank North Valley Bank Branch	0.30%	$10,000	-	Learn More Add Review
The Ohio Valley Bank Company The Ohio Valley Bank Company Branch	0.30%	$10,000	-	Learn More Add Review
Kingston National Bank Adelphi Branch	0.30%	$1,000	-	Learn More Add Review
Southern Hills Community Bank Ripley Federal Savings Bank Main Off Branch	0.30%	$10,000	-	Learn More Add Review
The Settlers Bank The Settlers Bank Branch	0.30%	$10,000	-	Learn More Add Review
The Richwood Banking Company The Richwood Banking Company Branch	0.27%	$500	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	0.27%	$10,000	-	Learn More Add Review
The Twin Valley Bank The Twin Valley Bank Branch	0.25%	$10,000	-	Learn More Add Review
Belmont Savings Bank Belmont Savings Bank Branch	0.25%	$500	-	Learn More Add Review
The Hicksville Bank The Hicksville Bank Branch	0.25%	$500	-	Learn More Add Review
First Federal Savings and Loan Association of Lorain Sandusky Branch	0.25%	$100,000	-	Learn More
Anon \| Jul 23, 2019 Oberlen Ave in Lorain Ohio Read More Reviews (27)
The Wilmington Savings Bank The Wilmington Savings Bank Branch	0.25%	$10,000	-	Learn More Add Review
Sutton Bank Sutton Bank Branch	0.25%	$10,000	-	Learn More Add Review
LCNB National Bank Lcnb National Bank Branch	0.25%	$10,000	-	Learn More Add Review
Galion Building and Loan Bank Galion Building And Loan Bank Branch	0.25%	$10,000	-	Learn More Add Review
Mechanics Bank Mechanics Bank Branch	0.25%	$10,000	-	Learn More
rosalie murray \| Jul 18, 2020 how long can i use rabo bank checks? Read More Reviews (1)
SSB Community Bank Ssb Community Bank Branch	0.25%	$10,000	-	Learn More Add Review
THE VINTON COUNTY NATIONAL BANK The Vinton County National Bank Branch	0.25%	$1,000	-	Learn More
Morgan B \| Mar 12, 2023 I have several business loans through VCNB. Anyone considering borrowing money should consider using them for financing. They have the assets and abilities of larger chains, but you get a more personal i... Read More Reviews (1)
The Citizens National Bank of Woodsfield The Citizens National Bank Of Woodsf Branch	0.25%	$10,000	-	Learn More Add Review
Woodsfield Savings Bank Woodsfield Savings Bank Branch	0.25%	$10,000	-	Learn More Add Review
Valley Central Bank Valley Central Bank Branch	0.25%	$10,000	-	Learn More Add Review
The First National Bank of Germantown The First National Bank Of Germantow Branch	0.25%	$500	-	Learn More Add Review
Fairfield Federal Savings and Loan Association of Lancaster Fairfield Federal Savings And Loan A Branch	0.25%	$10,000	-	Learn More Add Review
Community Savings Community Savings Branch	0.25%	$10,000	-	Learn More Add Review
The Farmers Bank and Savings Company The Farmers Bank And Savings Company Branch	0.25%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank The Farmers & Merchants State Bank Branch	0.21%	$10,000	-	Learn More Add Review
Minster Bank Minster Bank Branch	0.20%	$10,000	-	Learn More Add Review
The Peoples Savings Bank The Peoples Savings Bank Branch	0.20%	$500	-	Learn More Add Review
The Sherwood State Bank The Sherwood State Bank Branch	0.20%	$1,000	-	Learn More Add Review
The Peoples Bank The Peoples Bank Branch	0.20%	$1,000	-	Learn More Add Review
WesBanco Bank, Inc. Freeport Branch	0.20%	$10,000	-	Learn More Add Review
The Park National Bank 2013 Jamestown Branch	0.20%	$1,000	-	Learn More Add Review
The Fahey Banking Company The Fahey Banking Company Branch	0.20%	$10,000	-	Learn More Add Review
The Republic Banking Company The Republic Banking Company Branch	0.20%	$500	-	Learn More Add Review
The Osgood State Bank The Osgood State Bank Branch	0.20%	$10,000	-	Learn More Add Review
Greenville Federal Greenville Federal Branch	0.20%	$10,000	-	Learn More Add Review
Mercer Savings Bank Mercer Savings Bank Branch	0.20%	$10,000	-	Learn More Add Review
The Citizens National Bank of McConnelsville The Citizens National Bank Of Mcconn Branch	0.20%	$10,000	-	Learn More Add Review
The First National Bank of Blanchester The First National Bank Of Blanchest Branch	0.20%	$10,000	-	Learn More Add Review
The Hocking Valley Bank The Hocking Valley Bank Branch	0.20%	$10,000	-	Learn More Add Review
First Mutual Bank, FSB First Mutual Bank, Fsb Branch	0.20%	$10,000	-	Learn More Add Review
The First National Bank of Dennison Gnadenhutten Branch	0.17%	$10,000	-	Learn More Add Review
The Farmers State Bank The Farmers State Bank Branch	0.15%	$1,000	-	Learn More Add Review
The First National Bank of Sycamore The First National Bank Of Sycamore Branch	0.15%	$1,000	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	0.15%	$10,000	-	Learn More Add Review
First Bank of Ohio First Bank Of Ohio Branch	0.15%	$500	-	Learn More Add Review
Greenville National Bank Ansonia Branch	0.15%	$10,000	-	Learn More Add Review
First Federal Bank of Ohio First Federal Bank Of Ohio Branch	0.15%	$100	-	Learn More Add Review
The First National Bank of Waverly The First National Bank Of Waverly Branch	0.15%	$10,000	-	Learn More Add Review
The State Bank and Trust Company Delta Branch	0.15%	$10,000	-	Learn More Add Review
The Metamora State Bank The Metamora State Bank Branch	0.15%	$10,000	-	Learn More Add Review
The Ottoville Bank Company The Ottoville Bank Company Branch	0.15%	$10,000	-	Learn More Add Review
The Old Fort Banking Company The Old Fort Banking Company Branch	0.15%	$10,000	-	Learn More Add Review
Buckeye Community Bank Buckeye Community Bank Branch	0.15%	$10,000	-	Learn More Add Review
The Andover Bank The Andover Bank Branch	0.15%	$1,000	-	Learn More Add Review
The St. Henry Bank The St. Henry Bank Branch	0.15%	$10,000	-	Learn More Add Review
The First Central National Bank of St. Paris The First Central National Bank Of S Branch	0.15%	$10,000	-	Learn More Add Review
First Merchants Bank Olentangy Branch	0.15%	$100,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
First Commonwealth Bank 100 Central Plaza South Branch	0.15%	$10,000	-	Learn More Add Review
First Bank of Berne Van Wert, Oh Branch	0.10%	$1,000	-	Learn More Add Review
The Croghan Colonial Bank Bellevue Banking Center Branch	0.10%	$500	-	Learn More Add Review
The Bank of Magnolia Company The Bank Of Magnolia Company Branch	0.10%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Lorain Sandusky Branch	0.10%	$250	-	Learn More
Anon \| Jul 23, 2019 Oberlen Ave in Lorain Ohio Read More Reviews (27)
First Financial Bank St. Marys Branch	0.10%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Van Wert First Federal Savings And Loan Assoc Branch	0.10%	$10,000	-	Learn More Add Review
The Fort Jennings State Bank The Fort Jennings State Bank Branch	0.10%	$10,000	-	Learn More Add Review
Van Wert Federal Savings Bank Van Wert Federal Savings Bank Branch	0.10%	$10,000	-	Learn More Add Review
The Citizens National Bank of Bluffton The Citizens National Bank Of Blufft Branch	0.10%	$10,000	-	Learn More Add Review
First Commonwealth Bank 100 Central Plaza South Branch	0.10%	$10,000	-	Learn More Add Review
The Farmers National Bank of Canfield Smithville Branch	0.10%	$500	-	Learn More Add Review
Community First Bank, National Association Community First Bank, National Association Branch	0.10%	$10,000	-	Learn More Add Review
The Merchants National Bank Greenfield Branch	0.10%	$10,000	-	Learn More Add Review
First Merchants Bank Olentangy Branch	0.10%	$10,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
Peoples Bank Caldwell Branch	0.09%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)
First State Bank First State Bank Branch	0.08%	$10,000	-	Learn More Add Review
The Union Bank Company Leipsic Branch	0.07%	$500	-	Learn More Add Review
The Farmers and Merchants Bank The Farmers And Merchants Bank Branch	0.07%	$10,000	-	Learn More Add Review
KeyBank National Association Rotunda Branch	0.05%	$2,500	-	Learn More
Seeko \| 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 Reviews (2)
Signature Bank, National Association Signature Bank, National Association Branch	0.05%	$10,000	-	Learn More Add Review
The First Citizens National Bank of Upper Sandusky Wharton Branch	0.05%	$10,000	-	Learn More Add Review
U.S. Bank National Association Independence Branch	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
PNC Bank, National Association Fredericksburg Branch	0.03%	$25,000	-	Learn More
GAM \| 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 Reviews (1)

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
Farmers & Merchants Bank Farmers & Merchants Bank Branch	41 South First Street	Miamisburg	OH
CFBank, National Association Cf Bank, National Association Branch	7000 North High Street	Worthington	OH
FCN Bank, National Association Harrison Branch	590 Ring Road	Harrison	OH
Westfield Bank, FSB Portage Trail Branch	Portage Trail And Second Street	Cuyahoga Falls	OH
Farmers & Merchants Bank Farmers & Merchants Bank Branch	41 South First Street	Miamisburg	OH
Monet Bank Cincinnati Branch	7880 Montgomery Rd	Cincinnati	OH
Truist Bank Cincinnati 4th & Walnut Branch	100 East Fourth Street	Cincinnati	OH
S&T Bank Akron Branch	491 North Cleveland-Massillon Road	Akron	OH
Northwest Bank Lorain Nb Branch	457 Broadway	Lorain	OH
Citizens Massilon Branch	115 Tommy Henrich Dr Nw	Massillon	OH
Fifth Third Bank, National Association Gibsonburg Branch	101 North Main Street	Gibsonburg	OH
Third Federal Savings and Loan Association of Cleveland Third Federal Savings And Loan Assoc Branch	7007 Broadway Avenue	Cleveland	OH
Woodforest National Bank Kenton Wal-Mart Branch	1241 East Columbus Street	Kenton	OH
JPMorgan Chase Bank, National Association Jpmorgan Chase Bank, National Association Branch	1111 Polaris Parkway	Columbus	OH
United Bank Bellaire Branch	3198 Belmont Street	Bellaire	OH
Wells Fargo Bank, National Association Van Wert Branch	115 Hospital Drive	Van Wert	OH
The First National Bank of Pandora The First National Bank Of Pandora Branch	102 East Main Street	Pandora	OH
The Peoples Savings and Loan Company The Peoples Savings And Loan Company Branch	110 North Detroit Street	West Liberty	OH
The Waterford Commercial and Savings Bank The Waterford Commercial And Savings Branch	20115 State Route 339	Waterford	OH
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC The Home Savings And Loan Company Of Kenton, Ohio Branch	116 East Franklin Street	Kenton	OH
Fidelity Federal Savings and Loan Association of Delaware Fidelity Federal Savings And Loan As Branch	60 North Sandusky St	Delaware	OH
The First National Bank of Bellevue The First National Bank Of Bellevue Branch	120 North Street	Bellevue	OH
The Hamler State Bank The Hamler State Bank Branch	210 Randolph Street	Hamler	OH
Union Savings Bank Union Savings Bank Branch	8534 East Kemper Road	Cincinnati	OH
Hometown Bank Hometown Bank Branch	142 North Water Street	Kent	OH
First National Bank in New Bremen First National Bank In New Bremen Branch	435 South Washington Street	New Bremen	OH
First National Bank of Pennsylvania Chardon Branch	540 Water Street	Chardon	OH
Portage Community Bank Portage Community Bank Branch	1311 East Main Street	Ravenna	OH
The Brookville Building and Savings Association The Brookville Building And Savings Branch	510 Arlington Road	Brookville	OH
Spring Valley Bank Spring Valley Bank Branch	1206 Springfield Pike	Wyoming	OH
Somerville Bank Somerville Bank Branch	197 South Main Street	Somerville	OH
Belmont Savings Bank Belmont Savings Bank Branch	3301 Guernsey Street	Bellaire	OH
First National Bank in New Bremen First National Bank In New Bremen Branch	435 South Washington Street	New Bremen	OH
Peoples Savings and Loan Company Peoples Savings And Loan Company Branch	300 South Walnut Street	Bucyrus	OH
First Federal Community Bank of Bucyrus First Federal Community Bank Of Bucy Branch	119 South Sandusky Avenue	Bucyrus	OH
Main Street Bank Corp. Stebbins National Bank Of Creston Br Branch	121 N Main Street	Creston	OH
First Bank Richmond Sidney Branch	121 South Ohio Avenue	Sidney	OH
The Peoples Savings Bank The Peoples Savings Bank Branch	10 Monument Square	Urbana	OH
Monroe Federal Savings and Loan Association Monroe Federal Savings And Loan Asso Branch	24 East Main Street	Tipp City	OH
Union Savings Bank Union Savings Bank Branch	8534 East Kemper Road	Cincinnati	OH
THE HOME LOAN SAVINGS BANK The Home Loan Savings Bank Branch	413 Main Street	Coshocton	OH
Peoples State Bank The Peoples National Bank Of New Lex Branch	110 North Main Street	New Lexington	OH
Guardian Savings Bank Guardian Savings Bank, A Federal Savings Bank Branch	6100 West Chester Road	West Chester	OH
The Waterford Commercial and Savings Bank The Waterford Commercial And Savings Branch	20115 State Route 339	Waterford	OH
The Citizens Bank Company The Citizens Bank Company Branch	2301 State Route 550	Bartlett	OH
Home National Bank Home National Bank Branch	209 Third Street	Racine	OH
The First National Bank of Bellevue The First National Bank Of Bellevue Branch	120 North Street	Bellevue	OH
The Covington Savings and Loan Association The Covington Savings And Loan Assoc Branch	117 North High Street	Covington	OH
The Killbuck Savings Bank Company Danville Branch	701 South Market	Danville	OH
The Community Bank The Community Bank Branch	113 North Fifth Street	Zanesville	OH
The Harrison Building and Loan Association The Harrison Building And Loan Assoc Branch	10490 New Haven Road	Harrison	OH
RiverHills Bank Riverhills Bank Branch	553 Chamber Drive	Milford	OH
The Corn City State Bank The Corn City State Bank Branch	120 West Main Street	Deshler	OH
The North Side Bank and Trust Company The North Side Bank And Trust Compan Branch	4125 Hamilton Avenue	Cincinnati	OH
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	110 North Main Street	Bellefontaine	OH
Home National Bank Home National Bank Branch	209 Third Street	Racine	OH
Buckeye State Bank Buckeye State Bank Branch	101 North Main Street	De Graff	OH
The Genoa Banking Company The Genoa Banking Company Branch	801 Main Street	Genoa	OH
The Antwerp Exchange Bank Company The Antwerp Exchange Bank Company Branch	305 South Main Street	Antwerp	OH
The Middlefield Banking Company The Middlefield Banking Company Branch	15985 East High Street	Middlefield	OH
Portage Community Bank Portage Community Bank Branch	1311 East Main Street	Ravenna	OH
The Apple Creek Banking Company The Apple Creek Banking Company Branch	3 West Main Street	Apple Creek	OH
The Commercial and Savings Bank of Millersburg, Ohio The Commercial And Savings Bank Of Millersburg, Ohio Branch	91 N Clay St	Millersburg	OH
The Cincinnatus Savings & Loan Co. The Cincinnatus Savings & Loan Co. Branch	3300 Harrison Ave	Cincinnati	OH
Stock Yards Bank & Trust Company Cincinnati Branch	101 West Fourth Street	Cincinnati	OH
CNB Bank Bucyrus North Branch	105 Washington Square	Bucyrus	OH
Signature Bank, National Association Signature Bank, National Association Branch	4607 West Sylvania Avenue	Toledo	OH
The Citizens Bank Company The Citizens Bank Company Branch	2301 State Route 550	Bartlett	OH
The Killbuck Savings Bank Company Danville Branch	701 South Market	Danville	OH
The Savings Bank The Savings Bank Branch	18 Long Street	Ashville	OH
The Farmers & Merchants State Bank The Farmers & Merchants State Bank Branch	307-11 Defiance Street	Archbold	OH
New Carlisle Federal Savings Bank New Carlisle Federal Savings Bank Branch	400 North Main Street	New Carlisle	OH
Liberty Bank Liberty Bank Branch	314 Park Avenue	Ironton	OH
The First National Bank of McConnelsville 11 Public Square Branch	11 Public Square	Nelsonville	OH
Home Savings Bank of Wapakoneta Home Savings Bank Of Wapakoneta Branch	1 South Blackhoof Street	Wapakoneta	OH
Civista Bank New Washington Branch	102 South Kibler Street	New Washington	OH
Dollar Bank, Federal Savings Bank Public Square Branch	140 Public Square	Cleveland	OH
The Commercial and Savings Bank of Millersburg, Ohio The Commercial And Savings Bank Of Millersburg, Ohio Branch	91 N Clay St	Millersburg	OH
First Federal Community Bank, National Association First Federal Community Bank, National Association Branch	321 North Wooster Avenue	Dover	OH
New Carlisle Federal Savings Bank New Carlisle Federal Savings Bank Branch	400 North Main Street	New Carlisle	OH
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	2 North Second St	Newark	OH
North Valley Bank North Valley Bank Branch	2775 Maysville Pike	Zanesville	OH
The Ohio Valley Bank Company The Ohio Valley Bank Company Branch	420 Third Avenue	Gallipolis	OH
Kingston National Bank Adelphi Branch	11811 Main Street	Adelphi	OH
Southern Hills Community Bank Ripley Federal Savings Bank Main Off Branch	1006 S Second St	Ripley	OH
The Settlers Bank The Settlers Bank Branch	115-121 Third Street	Marietta	OH
The Richwood Banking Company The Richwood Banking Company Branch	28 North Franklin Street	Richwood	OH
Farmers State Bank Farmers State Bank Branch	11 South Main Street	West Salem	OH
The Twin Valley Bank The Twin Valley Bank Branch	2 East Dayton Street	West Alexandria	OH
Belmont Savings Bank Belmont Savings Bank Branch	3301 Guernsey Street	Bellaire	OH
The Hicksville Bank The Hicksville Bank Branch	144-146 East High Street	Hicksville	OH
First Federal Savings and Loan Association of Lorain Sandusky Branch	207 West Washington Row	Sandusky	OH
The Wilmington Savings Bank The Wilmington Savings Bank Branch	184 North South Street	Wilmington	OH
Sutton Bank Sutton Bank Branch	3 South Main Street	Attica	OH
LCNB National Bank Lcnb National Bank Branch	10820 Main Street	Clarksburg	OH
Galion Building and Loan Bank Galion Building And Loan Bank Branch	135 South Market Street	Galion	OH
Mechanics Bank Mechanics Bank Branch	2 South Main Street	Mansfield	OH
SSB Community Bank Ssb Community Bank Branch	224 North Bodmer Avenue	Strasburg	OH
THE VINTON COUNTY NATIONAL BANK The Vinton County National Bank Branch	112 West Main Street	Mc Arthur	OH
The Citizens National Bank of Woodsfield The Citizens National Bank Of Woodsf Branch	143 Main Street	Woodsfield	OH
Woodsfield Savings Bank Woodsfield Savings Bank Branch	600 Lewisville Road	Woodsfield	OH
Valley Central Bank Valley Central Bank Branch	6550 Princeton Glendale Road	Liberty Township	OH
The First National Bank of Germantown The First National Bank Of Germantow Branch	17 North Main Street	Germantown	OH
Fairfield Federal Savings and Loan Association of Lancaster Fairfield Federal Savings And Loan A Branch	111 East Main Street	Lancaster	OH
Community Savings Community Savings Branch	425 Main Street	Caldwell	OH
The Farmers Bank and Savings Company The Farmers Bank And Savings Company Branch	640 East Main Street	Pomeroy	OH
The Farmers & Merchants State Bank The Farmers & Merchants State Bank Branch	307-11 Defiance Street	Archbold	OH
Minster Bank Minster Bank Branch	95 West 4th Street	Minster	OH
The Peoples Savings Bank The Peoples Savings Bank Branch	710 Second Street	New Matamoras	OH
The Sherwood State Bank The Sherwood State Bank Branch	105 North Harrison Street	Sherwood	OH
The Peoples Bank The Peoples Bank Branch	103 East Wiggin Street	Gambier	OH
WesBanco Bank, Inc. Freeport Branch	102 East Main Street	Freeport	OH
The Park National Bank 2013 Jamestown Branch	82 West Washington Street	Jamestown	OH
The Fahey Banking Company The Fahey Banking Company Branch	127 North Main Street	Marion	OH
The Republic Banking Company The Republic Banking Company Branch	202 Washington Street	Republic	OH
Osgood Bank The Osgood State Bank Branch	275 West Main Street	Osgood	OH
Greenville Federal Greenville Federal Branch	690 Wagner Avenue	Greenville	OH
Mercer Savings Bank Mercer Savings Bank Branch	1100 Irmscher Blvd	Celina	OH
The Citizens National Bank of McConnelsville The Citizens National Bank Of Mcconn Branch	100 East Main Street	Mcconnelsville	OH
The First National Bank of Blanchester The First National Bank Of Blanchest Branch	121 East Main Street	Blanchester	OH
The Hocking Valley Bank The Hocking Valley Bank Branch	Stimson And Palmer Streets	Athens	OH
First Mutual Bank, FSB First Mutual Bank, Fsb Branch	605 Washington Boulevard	Belpre	OH
The First National Bank of Dennison Gnadenhutten Branch	130 North Walnut Street	Gnadenhutten	OH
The Farmers State Bank The Farmers State Bank Branch	101 South Main Street	New Madison	OH
The First National Bank of Sycamore The First National Bank Of Sycamore Branch	141 S Sycamore Ave	Sycamore	OH
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	404 Main Street	Delta	OH
First Bank of Ohio First Bank Of Ohio Branch	175 South Washington Street	Tiffin	OH
Greenville National Bank Ansonia Branch	100 South Main Street	Ansonia	OH
First Federal Bank of Ohio First Federal Bank Of Ohio Branch	140 North Columbus Street	Galion	OH
The First National Bank of Waverly The First National Bank Of Waverly Branch	107 North Market	Waverly	OH
The State Bank and Trust Company Delta Branch	312 Main Street	Delta	OH
The Metamora State Bank The Metamora State Bank Branch	120 East Main Street	Metamora	OH
The Ottoville Bank Company The Ottoville Bank Company Branch	161 West Third Street	Ottoville	OH
The Old Fort Banking Company The Old Fort Banking Company Branch	8034 Main Street	Old Fort	OH
Buckeye Community Bank Buckeye Community Bank Branch	105 Sheffield Center	Lorain	OH
The Andover Bank The Andover Bank Branch	19 Public Square	Andover	OH
The St. Henry Bank The St. Henry Bank Branch	231 East Main Street	St. Henry	OH
The First Central National Bank of St. Paris The First Central National Bank Of S Branch	103 South Springfield	St. Paris	OH
First Merchants Bank Olentangy Branch	3650 Olentangy River Road, Suite 1	Columbus	OH
First Commonwealth Bank 100 Central Plaza South Branch	100 Central Plaza South	Canton	OH
First Bank of Berne Van Wert, Oh Branch	102 Christopher Crossing	Van Wert	OH
The Croghan Colonial Bank Bellevue Banking Center Branch	One Union Square	Bellevue	OH
The Bank of Magnolia Company The Bank Of Magnolia Company Branch	122 North Main Street	Magnolia	OH
First Federal Savings and Loan Association of Lorain Sandusky Branch	207 West Washington Row	Sandusky	OH
First Financial Bank St. Marys Branch	130 East Spring Street	Saint Marys	OH
First Federal Savings and Loan Association of Van Wert First Federal Savings And Loan Assoc Branch	679 Fox Road	Van Wert	OH
The Fort Jennings State Bank The Fort Jennings State Bank Branch	120 North Water St.	Fort Jennings	OH
GreenWay Bank Van Wert Federal Savings Bank Branch	976 South Shannon Street	Van Wert	OH
The Citizens National Bank of Bluffton The Citizens National Bank Of Blufft Branch	102 South Main Street	Bluffton	OH
First Commonwealth Bank 100 Central Plaza South Branch	100 Central Plaza South	Canton	OH
The Farmers National Bank of Canfield Smithville Branch	153 East Main Street	Smithville	OH
Community First Bank, National Association Community First Bank, National Association Branch	118 East Lima Street	Forest	OH
The Merchants National Bank Greenfield Branch	117-119 South Washington Street	Greenfield	OH
First Merchants Bank Olentangy Branch	3650 Olentangy River Road, Suite 1	Columbus	OH
Peoples Bank Caldwell Branch	415 Main Street	Caldwell	OH
First State Bank First State Bank Branch	19230 State Route 136	Winchester	OH
The Union Bank Company Leipsic Branch	318 South Belmore Street	Leipsic	OH
The Farmers and Merchants Bank The Farmers And Merchants Bank Branch	430 North Street	Caldwell	OH
KeyBank National Association Rotunda Branch	800 Superior Avenue	Cleveland	OH
Signature Bank, National Association Signature Bank, National Association Branch	4607 West Sylvania Avenue	Toledo	OH
The First Citizens National Bank of Upper Sandusky Wharton Branch	101 West Sandusky Street	Wharton	OH
U.S. Bank National Association Independence Branch	6511 Brecksville Road	Independence	OH
PNC Bank, National Association Fredericksburg Branch	121 North Mill Street	Fredericksburg	OH
Fifth Third Bank, National Association Gibsonburg Branch	101 North Main Street	Gibsonburg	OH

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PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

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.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch 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 branch-based CDs are:

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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.

SAVINGS & CD CALCULATOR

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PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

CD Terms

CD Risk

How Interest is Paid

Interest Rate

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

The disadvantages of branch-based CDs are:

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