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 | 4.08% |
| 9 Months | 3.05% |
Rates are for Columbus, Ohio, and may vary per location.
Huntington Bank Jumbo Fixed Rate CDs - Standard Rates
| Term (Days) | CD Rates |
|---|---|
| 7 | 0.50% |
| 14 | 0.50% |
| 30 | 0.50% |
| 60 | 0.50% |
| 90 | 0.50% |
| 180 | 0.50% |
| 270 | 0.50% |
| 365 | 0.50% |
| 547 | 0.50% |
| 730 | 0.50% |
| 912 | 0.50% |
| 1095 | 0.50% |
| 1460 | 0.50% |
| 1825 | 0.50% |
Rates are for Columbus, Ohio and may vary per location.
Huntington Bank Fixed Rate CDs - Standard Rates
| Term | APY |
|---|---|
| 1 Month | 0.50% |
| 3 Months | 0.50% |
| 6 Months | 0.50% |
| 9 Months | 0.50% |
| 12 Months | 0.50% |
| 18 Months | 0.50% |
| 24 Months | 0.50% |
| 36 Months | 0.50% |
| 48 Months | 0.50% |
| 60 Months | 0.50% |
| 72 Months | 0.50% |
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 0.50% 3 Months 0.50% 6 Months 0.50% 9 Months 0.50% 12 Months 0.50% 18 Months 0.50% 24 Months 0.50% 36 Months 0.50% 48 Months 0.50% 60 Months 0.50% 72 Months 0.50%
Rates are for Columbus, Ohio and may vary per location.
Huntington Bank Fixed Rate CDs - Standard Rates
| Term | APY |
|---|---|
| 1 Month | 0.50% |
| 3 Months | 0.50% |
| 6 Months | 0.50% |
| 9 Months | 0.50% |
| 12 Months | 0.50% |
| 18 Months | 0.50% |
| 24 Months | 0.50% |
| 36 Months | 0.50% |
| 48 Months | 0.50% |
| 60 Months | 0.50% |
| 72 Months | 0.50% |
Rates are for Columbus, Ohio and may vary per location.
Here are some of the top CDs available now:
- Western Alliance Bank:
High-Yield CD Rates - Up to 4.31% APY - Consumers Credit Union:
12-Month High-Yield CD - 4.10% APY - SkyOne Federal Credit Union:
12-Month No-Penalty CD - 3.90% APY - Blue Federal Credit Union:
15-Month High-Yield CD - 4.15% APY - CIT Bank No Penalty CD:
3.50% 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 Rates - Up to 4.31% APY
- No fees
- $1 minimum deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 3 Month | 4.15% APY |
| 4 Month | 4.31% APY |
| 6 Month | 3.75% APY |
| 9 Month | 3.65% APY |
| 12 Month | 3.55% APY |
12-Month High-Yield CD - 4.10% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- NCUA insured
12-Month No-Penalty CD - 3.90% APY
- $1 minimum deposit
- 24/7 online access
- Federally insured by NCUA
Certificate of Deposit
- 3.50% APY for 6-month term
- 4.00% APY for 12-month term
- 3.80% APY for 18-month term
- 3.60% APY for 24-month term
- 3.60% APY for 36-month term
- 3.60% APY for 5-year term
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 Rates - Up to 4.31% APY
- No fees
- $1 minimum deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 3 Month | 4.15% APY |
| 4 Month | 4.31% APY |
| 6 Month | 3.75% APY |
| 9 Month | 3.65% APY |
| 12 Month | 3.55% APY |
12-Month High-Yield CD - 4.10% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- NCUA insured
12-Month No-Penalty CD - 3.90% APY
- $1 minimum deposit
- 24/7 online access
- Federally insured by NCUA
U.S. Bank Business Essentials - $400 Bonus
Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/1/2025 and 9/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Key Select Checking® - $500 Bonus
- Open a Key Select Checking® account online by December 19, 2025.
- Make the minimum opening deposit of $50, plus 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.
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY925 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/12/2026, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
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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