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Huntington CD
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1-year APY
3-year APY
5-year APY

Our verdict

Offers a wide range of terms, but rates are borderline negligible.

Huntington is a midsize bank with competitive CD rates, offering up to 5.13% APY on a seven-month term. There are many term options ranging from as short as seven days up to six years. Aside from promotional rates, standard rates are largely the same across most term lengths. You’ll need to visit a branch and deposit a minimum of $1,000 to open a fixed-rate CD. Overall, the CDs are competitive, but you can only get one if you live in one of the 11 states the bank serves.

Best for: Existing Huntington customers looking for a short-term CD.


  • Competitive promotional rates
  • Wide range of terms
  • Daily compounding interest


  • Must open CD at a branch
  • Branches in only 11 states

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Overview of Huntington CD rates

Huntington is a full-service, midsize bank with over 800 branches, over 1,400 ATMs nationwide and 24/7 customer service support by phone. The bank’s CD earns daily compound interest, and you need to deposit at least $1,000 for any of the standard fixed-rate CD terms.

Fixed-rate CD termAPYMinimum deposit
1 month0.5%$1,000
3 months0.5%$1,000
6 months0.5%$1,000
7 months (promotional)5.13%$1,000
9 months0.5%$1,000
11 months (promotional)4.86%$1,000
12 months0.5%$1,000
18 months0.5%$1,000
24 months0.5%$1,000
36 months0.5%$1,000
48 months0.5%$1,000
60 months0.5%$1,000
72 months0.5%$1,000

Other types of CDs

The jumbo CD rates require higher deposit requirements, as expected. The promotional rates are also significantly higher, and the standard rates are all 0.5% APY. Huntington displays some of its term lengths in days, which we’ve converted to months for an easier comparison, as that’s the industry standard.

Jumbo Fixed Rate CD termAPYMinimum deposit
7 days0.5%$100,000
14 days0.5%$100,000
1 months0.5%$100,000
2 months0.5%$100,000
3 months0.5%$100,000
6 months0.5%$100,000
7 months (promotional)5.13%$100,000
9 months0.5%$100,000
11 months (promotional)4.86%$100,000
12 months0.5%$100,000
18 months0.5%$100,000
24 months0.5%$100,000
30 months0.5%$100,000
36 months0.5%$100,000
48 months0.5%$100,000
60 months0.5%$100,000
72 months0.5%$100,000

More about Huntington’s CDs: Deposits, fees and details

What it isDetailsHow it compares
Minimum deposit
  • Fixed-rate: $1,000
  • Jumbo: $100,000
$1,000 is a typical deposit requirement for standard, fixed-rate CDs.
Term range7 days to 72 monthsLarge range of CD terms compared to the competition, as the shortest term offered is typically 1 month.
Early withdrawal penaltiesEarly withdrawal penalty varies by term:
  • 91 days or less: All earned interest during term
  • 92 days to 1 year: 3 months of earned interest
  • 1 year to 18 months: 6 months of earned interest
  • Over 18 months: 12 months of earned interest
Typical early withdrawal penalties; however, the shortest terms under 91 days forfeit all earned interest.
Grace period10 days after the maturity dateTypical amongst competitors.

Cashout and rollover details

Huntington offers a 10-day grace period after your CD’s maturity date with the withdrawal of your funds with no fees. If you don’t withdraw your funds at maturity or during the grace period, the CD is automatically renewed for the same term you originally had but at the current rate.

How Huntington’s CDs and rates compare

To open any of its CDs, you must go to a Huntington branch. For that sole reason, these deposit accounts are best suited for someone who lives in one of the 11 states the bank serves: Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia and Wisconsin.

Besides the promotional rates, most Huntington’s CDs offer a 0.5% APY. The best rate offered at the moment is 5.13% APY for 7 months, which is significantly higher than the national average rate of 1.79% for six-month CDs, as reported by the FDIC. (1)

The minimum deposit requirement of $1,000 is rather typical. Most banks require a deposit of around $500 to $1,000 for their standard fixed-rate CDs. However, some banks don’t have a minimum deposit at all, such as Barclays and Capital One.

Compared to other banks of its size, Huntington offers a wide variety of term lengths — as short as 7 days. The majority of CD offerings you’ll see in the wild only go as short as 30 days. However, with the APY as low as it is on the 7-day term, you’re likely better off just keeping your funds in a high-yield savings account.

Compare Huntington to competitor rates

Narrow down top CDs by APY and minimum deposits to find the best one for your financial goals. Select Compare on multiple options to see their benefits side by side.

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Crescent Bank CDs
Finder Rating: 4.8 / 5: ★★★★★
Crescent Bank CDs
Earn competitive rates up to 4.90% APY (annual percentage yield) on terms ranging from 1 to 5 years. Pay $0 maintenance fees. Member FDIC.
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Alliant Credit Union CDs
Finder Rating: 4.8 / 5: ★★★★★
Alliant Credit Union CDs
Lock in rates as high as 5.15% APY with a low $1,000 minimum deposit. Compounded monthly. FDIC insured.
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Western Alliance Bank 12 months CDs through Raisin
Finder Rating: 4.7 / 5: ★★★★★
Western Alliance Bank 12 months CDs through Raisin
Get 5.05% APY on a 12 month CD, and earn an APY that’s higher than the national average. Pay no fees and just a $1 minimum deposit. FDIC insured.
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Valley Direct Online CD
Finder Rating: 5 / 5: ★★★★★
Valley Direct Online CD
Earn 4.50% APY on a 12 month CD. FDIC insured per depositor, per account ownership category.
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Bask Bank CDs
Bask Bank CDs
Enjoy flexible terms of 6, 12, 18, or 24 months with competitive rates of up to 5.30% APY on a 12-month CD. FDIC insured
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Quontic Bank CDs
Finder Rating: 5 / 5: ★★★★★
Quontic Bank CDs
Lock in a high rate. Minimum of $500 required to open. Open your account in 3 minutes or less. Member FDIC.

CDs ratings

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★★★★★ — Average

★★★★★ — Subpar

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We rate CDs and share certificates on a scale ranging from one to five stars based on what matters most to you. We consider two factors equally when rating CDs: minimum deposits and annual percentage yields (APYs) relative to term length. If a bank requires a different minimum opening deposit depending on the chosen term, we rate the CD based on the average minimum deposit across all terms. And although some institutions offer CDs with terms ranging from one week to 20 years, we only consider term lengths the FDIC uses in its monthly updates on national rates.

Read the full methodology of how we rate CDs.

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Bethany Finder

Editor, Banking

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