Huntington Bank CD Rates
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What's the Huntington Bank CD promotional rate? Read this review to find out if the APY is worth your time.
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Huntington Bank is a popular Midwestern bank that offers a few kinds of CDs.
These CDs allow you to earn more interest than traditional savings accounts. In exchange for higher interest, you agree not to touch your money for a set amount of time.
Take a look at Huntington Bank CD's account features, fees, and interest rates.
How Many CDs are Available at Huntington Bank?
Huntington Bank currently offers 3 CD options: Fixed Rate, Jumbo, and CD IRA.
You can get over two dozen certificates of deposit (CD) term lengths. The terms vary from 1 month to six years. They offer Fixed Rate CDs (principal amount less than $100,000) and Jumbo CDs ($100,000 or greater).
These options work the same way, but Jumbo CDs may offer slightly different rates for similar term standard CDs.
Huntington also offers a CD IRA. The CD IRA combines a fixed-rate CD with IRA benefits. There's a slew of term lengths available with a $1,000 minimum to open.
Huntington Bank Fixed Rate CDs - Promotional Rates
| Term | APY |
|---|---|
| 5 Months | 3.66% |
| 9 Months | 2.50% |
Rates are for Columbus, Ohio, and may vary per location.
Huntington Bank Jumbo Fixed Rate CDs - Standard Rates
| Term (Days) | CD Rates |
|---|---|
| 7 | 0.25% |
| 14 | 0.25% |
| 30 | 0.25% |
| 60 | 0.25% |
| 90 | 0.25% |
| 180 | 0.25% |
| 270 | 0.25% |
| 365 | 0.25% |
| 547 | 0.25% |
| 730 | 0.25% |
| 912 | 0.25% |
| 1095 | 0.25% |
| 1460 | 0.25% |
| 1825 | 0.25% |
Rates are for Columbus, Ohio and may vary per location.
Huntington Bank Fixed Rate CDs - Standard Rates
| Term | APY |
|---|---|
| 1 Month | 0.25% |
| 3 Months | 0.25% |
| 6 Months | 0.25% |
| 9 Months | 0.25% |
| 12 Months | 0.25% |
| 18 Months | 0.25% |
| 24 Months | 0.25% |
| 36 Months | 0.25% |
| 48 Months | 0.25% |
| 60 Months | 0.25% |
| 72 Months | 0.25% |
Rates are for Columbus, Ohio and may vary per location.
Huntington Bank CDs - Pros & Cons
Here's a high-level view of Huntington's main benefits and disadvantages for CD products.
Pros:
- Many term options
- Jumbo CDs available
- CD IRA available
Cons:
- Low APY (especially compared to online banks)
- $1,000 minimum deposit
- Must open a CD in person at a branch (no online applications)
What are the CD Rates at Huntington Bank?
Huntington Bank Fixed Rate CDs - Standard Rates
Term APY 1 Month 0.25% 3 Months 0.25% 6 Months 0.25% 9 Months 0.25% 12 Months 0.25% 18 Months 0.25% 24 Months 0.25% 36 Months 0.25% 48 Months 0.25% 60 Months 0.25% 72 Months 0.25%
Rates are for Columbus, Ohio and may vary per location.
Huntington Bank Fixed Rate CDs - Standard Rates
| Term | APY |
|---|---|
| 1 Month | 0.25% |
| 3 Months | 0.25% |
| 6 Months | 0.25% |
| 9 Months | 0.25% |
| 12 Months | 0.25% |
| 18 Months | 0.25% |
| 24 Months | 0.25% |
| 36 Months | 0.25% |
| 48 Months | 0.25% |
| 60 Months | 0.25% |
| 72 Months | 0.25% |
Rates are for Columbus, Ohio and may vary per location.
Here are some of the top CDs available now:
- Raisin:
High-Yield CD - Up to $1,200 Bonus - Western Alliance Bank:
High-Yield CD Rates - Up to 3.00% APY - CIT Bank No Penalty CD:
3.75% APY - Quontic:
CD Rates - Up to 3.60% APY
Huntington CDs Fees and Penalties
Huntington Bank bases the fee on the term of a CD, so the longer the CD term, the higher the fee for early withdrawals.
The regional bank is not open with their early withdrawal fees structure and they won't give you penalty details until you open an actual CD account. That's because the fees depend on the term length, your deposit amount, and how much you're withdrawing from your account.
Huntington offers the following CD term lengths:
- 1 month
- 3 months
- 6 months
- 9 months
- 12 months
- 18 months
- 24 months
- 36 months
- 48 months
- 60 months
- 72 months
It's very tempting to sign up for a 72-month term for the higher interest rate, but resist the urge. And make sure you actually don't need to touch the money for that amount of time. Because if not, you'll pay very steep penalties.
Other banks, like CIT Bank, have no-penalty CD accounts and relatively light early withdrawal penalties for other CDs.
Compare CD Rates
High-Yield CD - Up to $1,200 Bonus
- Enter promo code SUMMER26 at sign-up and deposit a total of $10,000 or more within 14 days to secure your base cash bonus and unlock the optional recurring deposit reward.
- To earn an additional reward, schedule two or more recurring deposits within your first 90 days. You are eligible for a maximum additional bonus based on your deposit tier, allowing you to choose your matching recurring bonus tier or any tier below it.
- Maintain your balance for 90 days. Once all promotional requirements are met, your total combined cash bonus will be credited to your account within 30 days.
| Qualifying Deposit | Welcome Bonus | Bonus Boost | Total Bonus |
|---|---|---|---|
| $10,000 - $24,999 | $50 | +$10 | $60 |
| $25,000 - $49,999 | $125 | +$25 | $150 |
| $50,000 - $99,999 | $250 | +$50 | $300 |
| $100,000 - $199,999 | $500 | +100 | $600 |
| $200,000 or more | $1,000 | +200 | $1,200 |
High-Yield CD Rates - Up to 3.00% APY
- No fees
- $1 minimum deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 2 Month | 3.00% APY |
| 3 Month | 3.00% APY |
| 4 Month | 3.00% APY |
| 5 Month | 3.00% APY |
| 6 Month | 3.00% APY |
| 9 Month | 3.00% APY |
| 12 Month | 3.00% APY |
CIT Bank No Penalty CD - 3.75% APY
- Option to withdraw full balance and interest after 7 days of CD funding date
- $1,000 minimum to open an account
- 11 months
- No monthly maintenance fee
- Member FDIC
12-Month High-Yield CD - 3.00% APY
- No fees
- $1 minimum deposit
- 24/7 online access
- FDIC insured
How Do CD Accounts Work?
CD stands for certificate of deposit. Unlike a normal savings account, you cannot continuously deposit and withdraw funds.
With CDs, you're required to deposit a fixed amount of money for a fixed amount of time. Then you get a set interest rate for the duration of that term.
Be prepared to commit if you decide to open a CD account. You must keep your funds there until maturity for whatever term you choose. Terms range from 1 month to 5 years, depending on the financial institution. You'll face steep penalties for early withdrawals.
The biggest benefit of a CD is getting higher interest rates than you would with other banking products like money market accounts and checking/savings accounts. But Huntington's Fixed Rate CD rates are currently not too good.
Huntington Bank has brick-and-mortar branches that you can visit if you need to speak with someone for in-person assistance. However, physical locations are notoriously costly to run.
Online banks are a whole lot cheaper to run. And they pass along their operation savings costs onto customers in the form of higher interest rates.
It's really up to you. CD accounts at online banks can yield slightly better returns.
But if you value in-person customer service and you're a resident of Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia, Illinois, Wisconsin, Colorado, Florida, or Minnesota, then Huntington might be the right choice for you.
Benefits of a CD
- FDIC insured
- Earn higher interest rates than with traditional savings accounts
- Fixed interest rate for the term of the CD
Bottom Line
Huntington Bank CD rates are pretty average for brick-and-mortar banks. You don't get impressive returns with their current interest rates.
Consider CDs from online banks if you don't need in-person assistance. Online banks offer higher APYs and more transparent early withdrawal penalties.
High-Yield CD - Up to $1,200 Bonus
- Enter promo code SUMMER26 at sign-up and deposit a total of $10,000 or more within 14 days to secure your base cash bonus and unlock the optional recurring deposit reward.
- To earn an additional reward, schedule two or more recurring deposits within your first 90 days. You are eligible for a maximum additional bonus based on your deposit tier, allowing you to choose your matching recurring bonus tier or any tier below it.
- Maintain your balance for 90 days. Once all promotional requirements are met, your total combined cash bonus will be credited to your account within 30 days.
| Qualifying Deposit | Welcome Bonus | Bonus Boost | Total Bonus |
|---|---|---|---|
| $10,000 - $24,999 | $50 | +$10 | $60 |
| $25,000 - $49,999 | $125 | +$25 | $150 |
| $50,000 - $99,999 | $250 | +$50 | $300 |
| $100,000 - $199,999 | $500 | +100 | $600 |
| $200,000 or more | $1,000 | +200 | $1,200 |
High-Yield CD Rates - Up to 3.00% APY
- No fees
- $1 minimum deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 2 Month | 3.00% APY |
| 3 Month | 3.00% APY |
| 4 Month | 3.00% APY |
| 5 Month | 3.00% APY |
| 6 Month | 3.00% APY |
| 9 Month | 3.00% APY |
| 12 Month | 3.00% APY |
CIT Bank No Penalty CD - 3.75% APY
- Option to withdraw full balance and interest after 7 days of CD funding date
- $1,000 minimum to open an account
- 11 months
- No monthly maintenance fee
- Member FDIC
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Bank of America Advantage Plus Banking® - Up to $500 Bonus Offer
- New checking customers only: Get a bonus offer up to $500 after completing qualifying transactions. See offer page for more details
- Bank of America N.A. Member FDIC.
Key Select Checking® - $500 Bonus
- Open a Key Select Checking® account online by December 11, 2026.
- Make the minimum opening deposit of $50 and make a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.
- Your $500 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
CIT Bank Platinum Savings - 4.10% APY Boost
| Tier | Boost APY |
|---|---|
| Balance over $5,000 | 4.10%* |
| Balance less than $5,000 | 0.60%* |
After boost is completed, you will continue to earn our best standard rates:
| Tier | APY |
|---|---|
| Balance over $5,000 | 3.75%1 |
| Balance less than $5,000 | 0.25%1 |
- Needs to use promo code to qualify: CITBoost
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
HSBC Premier - Up to $5,000
Discover all that Premier can do for you
- Earn our best savings rate with a Premier Relationship Savings account for an introductory period and thereafter if you qualify
- Send money internationally, securely, quickly and fee-free in the HSBC mobile app with our award-winning HSBC Global Money Transfers
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works
- Open a Premier checking account by June 30, 2026
- Add your desired level of deposits and/or eligible investments within 20 days
- Get $1,500: Deposit or invest $150,000 to $249,999
- Get $2,500: Deposit or invest $250,000 to $499,999
- Get $3,500: Deposit or invest $500,000 to $999,999
- Get $5,000: Deposit or invest $1,000,000+
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
Amber Kong is a content specialist at CreditDonkey, a bank comparison and reviews website. Write to Amber Kong at amber.kong@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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