Best CDs 2026

CDs (Certificates of Deposit) are a safe and generally more profitable investment option than traditional savings accounts. We compiled a list of the best financial institutions and their CD offerings.
Top CDs in Columbus, Ohio
Our #1 Choice

Earn 3.25% with Barclays' CD

  • Earn 3.50% with a Barclays 6-Month CD
  • 6 to 60-month terms available
  • No minimum deposit required
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Earn 3.70% with Bread's CD

  • Term: 6 months
  • Min. deposit required: $1,500
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Earn 3.75% APY* with CIT's No-Penalty CD

  • Term: 11 months
  • Min. deposit required: $1,000

* APY as of 1/9/2026

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Earn 4.00% APY with Valley's CD

  • Earn 4.00% APY with Valley's CD
  • Term: 12 months
  • Min. deposit required: $500
  • Open an online account in 5 min.
  • FDIC Insured

*Rate as of 11/11/25

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  • 3.60% APY* 3-Month High-Yield CD
  • New Customers can earn up to $1,500 with code HEADSTART.
  • No fees from Raisin. $1 minimum deposit.
  • FDIC Insured.

* Rate as of 01/05/26

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  • 3.75% APY* 14-Month High-Yield CD

  • New Customers can earn up to $1,500 with code HEADSTART.

  • No fees from Raisin. $1 minimum deposit.
  • FDIC Insured
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  • 3.50 % APY* 4-Month CD

  • New Customers can earn up to $1,500 with code HEADSTART.

  • $1 minimum deposit. 24/7 online access.
  • FDIC Insured.

* Rate as of 1/8/2026

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  • Earn 4.10% APY2 on 9 and 12-Month CD Products

  • Manage your money anywhere with their mobile app

  • No minimum initial deposit4 & no monthly account fees
  • FDIC-Insured up to $250,0003 once certain conditions have been satisfied
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Partner Disclaimers & Disclosures:

CIT Bank:

No-Penalty/11-MO CD:
2 Annual Percentage Yields (APYs) for all Term CDs are accurate as of January 9, 2026. A penalty may be imposed for early withdrawal of principal, and any early withdrawal (principal or interest) will reduce earnings.
3 Upon maturity, CDs are renewed for the same term automatically. The exception to this are the 13-Month CD and the 18-Month CD; upon maturity, the 13-Month CD will be automatically renewed as a 1-Year Term CD at the then-published APY, and the 18-Month CD will be automatically renewed as a 2-Year Term CD at the then-published APY.
1 APY —Annual Percentage Yield is accurate as of January 9, 2026. $1,000 minimum deposit is required to open the account. A penalty may be imposed for early withdrawal of principal, and any early withdrawal (principal or interest) will reduce earnings. Upon maturity, the 13-Month CD will be automatically renewed as a One Year Term CD at the then-published APY.

For complete list of account details and fees, see our Personal Account disclosures (link:https://cit-fcb-t.cit.com/cit-bank/resources/forms).

Synchrony Bank:
Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal non-IRA accounts only. Fees may reduce earnings. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.

Gainbridge® FastBreak™ CDs:

¹ Annuity rates are subject to change at any time, and the rate mentioned may no longer be current. Current rate as of 09/15/2025 for a 5-10 year investment term. Rates subject to change.

Please visit Gainbridge.io for current rates, full product disclosures, and other important information. Products and/or features may not be available in all states. All guarantees based on the financial strength and claims paying ability of the issuing insurance company.

*Withdrawals above the 10 percent free withdrawal amount are subject to a withdrawal charge and market value adjustment and if under age 59 ½ may be subject to an IRS early withdrawal tax penalty (FastBreak™ is not subject to this penalty). FastBreak™ annuities are issued by Gainbridge Life Insurance Company in Zionsville, Indiana.

FastBreak™ is not a tax-deferred annuity; instead you are taxed annually on earned interest.