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Huntington Bank (Member FDIC) offers various financial products, including two types of CDs — fixed rate and jumbo fixed rate.
CD term lengths range from one week to six years. But unless you choose a promotional term with a high rate, you’ll be stuck earning 0.05% or 0.10% APY (Annual Percentage Yield). In that case, you’re better off opening one of the best CDs at an online bank.
Here’s everything you need to know about Huntington Bank CD rates.
Huntington Bank CD Rates
The rates at Huntington Bank are similar for both types of CDs. The most important factor is whether you choose a term that pays a standard rate or one that pays a promotional rate. Promotional rates are only available for a handful of term lengths, but they can increase the APY by more than 5%.
Huntington Bank Fixed CD Rates
The Huntington Bank Fixed Rate CDs – Product Name Only pay Huntington Bank Fixed Rate CDs – APY APY. You must deposit at least Huntington Bank Fixed Rate CDs – Minimum Deposit, but the rates are the same regardless of your total balance. There are two types of interest rates on fixed CDs: promotional and standard.
Promotional rates apply to 7-, 11-, 17-, and 25-month CD terms. Other term lengths qualify for standard rates of 0.05% or 0.10% APY.
Although Huntington CD rates are the same in many places, rates may vary by region. The rates below are for Columbus, Ohio, which is a popular city for the bank.
Promotional Fixed CD Rates
CD TermPromotional APY7 months4.86%11 months5.39%17 months4.86%25 months4.34%
Standard Fixed CD Rates
CD TermStandard APY1 month0.05%3 months0.05%6 months0.10%9 months0.10%12 months0.10%18 months0.10%24 months0.10%36 months0.10%48 months0.10%60 months0.10%72 months0.10%
Huntington Bank Jumbo Fixed CD Rates
Huntington Bank Jumbo Fixed CDs – Product Name Only pay Huntington Bank Jumbo Fixed CDs – APY APY. Whether you open a CD with a promotional or standard rate will impact how much you earn. The minimum deposit is Huntington Bank Jumbo Fixed CDs – Minimum Deposit, and the rates do not change based on the amount you deposit.
The Jumbo CD terms are measured in days — converted to years, the terms go up to five years. The current promotional rates apply to 215-, 335-, 517-, and 760-day terms. If you opt for a CD term that does not offer a promotional rate, you can expect to earn the standard rates of 0.05% or 0.10% APY.
Rates may vary by region, and the below rates are for Columbus, Ohio.
Promotional Jumbo Fixed CD Rates
CD TermPromotional APY215 days4.86%335 days5.39%517 days4.86%760 days4.34%
Standard Jumbo Fixed CD Rates
CD TermStandard APY7 days0.05%14 days0.05%30 days0.05%60 days0.05%90 days0.05%180 days0.10%270 days0.10%365 days0.10%547 days0.10%730 days0.10%912 days0.10%1,095 days0.10%1,460 days0.10%1,825 days0.10%
Huntington Bank CD Rates Pros and Cons
Promotional CD rates are high
Standard minimum deposit amounts
Interest compounds daily
Standard CD rates are significantly lower than the national average
Only a handful of term lengths qualify for promotional rates
Accounts are only available for residents of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, and Wisconsin
How Huntington Bank CD Rates Compare
Huntington Bank CDs vs. Chase CDs
Similar to Huntington Bank, Chase CD rates vary drastically, ranging from Chase CD – APY APY. But unlike Huntington, Chase’s rates vary depending on how much you deposit. There are only a handful of options with competitive rates, and even then, Huntington’s rates are generally higher.
To earn Chase’s highest rate, you must deposit at least $100,000 and link it to a Chase checking account. In comparison, Huntington’s minimum deposit of Huntington Bank Fixed Rate CDs – Minimum Deposit is much more accessible.
Huntington Bank CDs vs. PNC Bank CDs
Like Huntington Bank, PNC doesn’t have locations in every state. You can open a CD online if you live in an area without branches, but your options are more limited.
PNC CD rates range from PNC Fixed Rate CD – APY APY, lower than Huntington’s rates. The best offer from PNC is on a promotional CD (the term with the highest rate depends on where you live), but you must deposit at least $100,000 to qualify. Other than that, you can usually expect to earn 2% or less. With Huntington Bank, you can earn over 5% with a minimum deposit of $1,000.
The bottom line: Huntington Bank offers high promotional CD rates on select terms. But the standard rates are very low, and you can secure a better APY at one of the best online banks.
Why You Should Trust Us: How We Reviewed Huntington Bank CDs
We used Insider’s certificate of deposit methodology to review Huntington Bank CDs.
Insider assesses the bank’s mobile app, ethics, and customer service based on reviews and professional ratings from sites like the Better Business Bureau. We also examine interest rates, minimum deposits, available CD terms, and early withdrawal penalties. Each category receives a rating from 0 to 5, and then we average the scores to assign a final score out of 5.