Huntington Bank CD Rates for 2025
Review
Updated
If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.
Huntington Bank CD rates show you don't need to be a big bank to offer big returns. You'll need to show up in person to score these deals, however, and Huntington Bank has a small footprint. See the options, and who can take advantage of them, in our complete Huntington Bank CD review.
APY = Annual Percentage Yield
Huntington Bank offers a huge selection of standard CD rate terms, but the APYs are so small that you could definitely find better CD rates, savings account rates, and other banking account product rates that far outpace what Huntington Bank offers for its standard CDs.
| 1 Mo. APY | 3 Mo. APY | 6 Mo. APY | 9 Mo. APY | 1 Yr. APY | 1.5 Yr. APY | 2 Yr. APY | 3 Yr. APY | 4 Yr. APY | 5 Yr. APY | 6 Yr. APY |
|---|---|---|---|---|---|---|---|---|---|---|
| 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% |
APY = Annual Percentage Yield
Unlike Huntington Bank's standard CD offerings, its two promotional CDs offer excellent APYs that are very competitive with other CDs currently on the market.
| 5 Mo. APY | 9 Mo. APY |
|---|---|
| 4.34% | 3.05% |
A high-interest savings account offers rates competitive with the best CDs accounts, but without having to lock your money away for months or even years at a time. Here are some top-rated high-yield savings account options from our experts.
| Account | APY | Promotion | Next Steps |
|---|---|---|---|
Open Account for SoFi Checking and Savings
On SoFi's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
up to 3.80%
Rate info
SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
Min. to earn: $0
|
New customers can earn up to a $300 bonus with qualifying direct deposits!
|
Open Account for SoFi Checking and Savings
On SoFi's Secure Website. |
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
3.60%
Rate info
See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of April 8, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn: $0
|
N/A
|
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website. |
Open Account for Barclays Tiered Savings
On Barclays' Secure Website.
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
4.00%
Rate info
Balances less than $250,000 earn 4.00%, and balances greater than $250,000 earn 4.20%.
Min. to earn: $0
|
N/A
|
Open Account for Barclays Tiered Savings
On Barclays' Secure Website. |
Huntington Bank's promotional CD rates are right up there with our best CD rates. However, Huntington's standard rates fall far short of the competition.
| Bank & CD Offer | APY | Term | Min. Deposit | Next Steps |
|---|---|---|---|---|
|
APY:
4.10%
|
Term:
14 Months
|
Min. Deposit:
$500
|
Open Account for
On LendingClub's Secure Website. |
|
|
APY:
4.00%
|
Term:
1 Year
|
Min. Deposit:
$0
|
Open Account for
On Discover Bank's Secure Website. |
|
|
APY:
4.00%
|
Term:
6 Months
|
Min. Deposit:
$1
|
Open Account for
On Raisin's Secure Website. |
Huntington Bank offers a range of fixed-rate CDs with both promotional and standard rates. The promotional APYs (annual percentage yield) are surprisingly competitive, while the standard rates are…not.
APY = Annual Percentage Yield
The overall APY of Huntington Bank's promotional CDs is quite competitive, even against 6-month rates from some large online banks. Though it's worth noting that term lengths are somewhat unconventional -- most banks offer 6-month and 12-month short-term CDs, while Huntington has 7- and 11-month CDs.
Unfortunately, Huntington doesn't let you open a new promotional CD online. Instead, you need to do so in person at a Huntington Bank branch. This may be easier said than done, since Huntington only has branches in six states.
APY = Annual Percentage Yield
Unlike Huntington Bank's promotional CD rates, the standard rates are most decidedly not competitive. I can't think of a single good reason to get one of these CDs, as you can get exponentially better rates from any of our favorite high-yield savings accounts, let alone other CDs.
To make matters worse, you can't open these accounts online. You have to be in one of the just six states in which Huntington Bank has branches.
Huntington Bank also offers the following CD accounts:
A promotional-rate CD from Huntington Bank can be a good option for anyone who wants a short-term CD with a competitive rate -- assuming they live in the Huntington Bank service area.
The bank requires you to open a CD in person at a branch. While Huntington Bank operates in 11 states, it only has actual bank branches in six:
At Motley Fool Money, certificates of deposit (CDs) are rated on a scale of one to five stars, primarily focusing on annual percentage yield (APY) and early withdrawal penalty fees. Our highest-rated CDs generally include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust and reputation, and ease of use.
Learn more about how Motley Fool Money rates bank accounts.
The best rate overall is from Huntington's promotional 7-month CD. Avoid the standard rate CDs.
No, Huntington Bank is considered a regional bank since it only operates in 11 states. These include: Colorado, Florida, Illinois, Indiana, Kentucky, Minnesota, Michigan, Ohio, Pennsylvania, West Virginia, and Wisconsin.
Yes, for the most part, you can manage your Huntington Bank accounts online or through its mobile bank app. However, some actions -- such as opening a new CD account -- must be done in person at a bank branch.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page. APYs are subject to change at any time without notice.
