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Huntington CD rates review

Offers a wide range of terms, but rates are borderline negligible.’s rating: 1.4 / 5.0


Huntington offers a wide range of CD terms, giving you the flexibility to choose a length that’s right for you. But rates are much lower than the competition and you must visit a local branch to get started.

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1-year APY


3-year APY


5-year APY


Star rate1.4
3-month APY0.05%
6-month APY0.10%
9-month APY0.10%
1-year APY0.10%
14-month APY5.00%
18-month APY0.10%
2-year APY0.10%
3-year APY0.10%
4-year APY0.10%
5-year APY0.10%
Early withdrawal penalty1% for terms of 12+ months
2% for terms of 13 to 24 months
3% for terms of 25 + months
Minimum deposit to open$1,000
Interest compoundingDaily

Review by

Cassidy Horton is a freelance personal finance copywriter and past contributing writer for Finder. Her writing and banking expertise have been featured in Forbes Advisor, Money, The Balance, Money Under 30,, and other top digital publishers. She holds a BS in public relations and an MBA from Georgia Southern University.

Expert review

A Huntington CD may be a good option if you live within this bank’s 11-state service area and are looking for in-person customer service. It has 24/7 customer support and no monthly fees, but you’ll need to open the account with a representative at a local branch. It offers flexible term options ranging from one month to seven years, although its standard rate stays the same across most term lengths.

To open Huntington CD, you’ll need at least $1,000 for your initial deposit. Huntington’s APYs are much lower than you’ll find with other accounts like the Discover CD with its one-year APY of 2.50%.

For example, if you put $2,500 in a Huntington Bank CD for 24 months, you’ll earn: $2,500 x 0.10% APY x 24 months = $5 in interest.

Put the same amount in a Discover CD, and you’ll get: $2,500 x 2.60% APY x 24 months = $133.43 in earnings.

If earning a high interest is what you’re after, you’ll want to go with an option outside of Huntington.

How to open a Huntington CD account

Huntington CDs cannot be opened online. Instead, you’ll need to visit a branch to open one in person.


  • At least 18 years old
  • Valid Social Security or tax identification number
  • US citizen
  • Valid passport or state-issued ID
  • $1,000 minimum deposit

Required information

  • Name and birthdate
  • Contact information — address, email and phone number
  • Social Security or tax identification number
  • Government-issued ID
  • Employment information

Funding options

  • Provide cash or check at branch
  • Transfer from external bank account

3 benefits of a Huntington CD

Here are the perks you’ll get when you open a Huntington CD:

  1. Daily compound interest. When you earn interest on yesterday’s interest, your account balance grows faster than it would with other compounding methods.
  2. Customer service. Huntington offers 24/7 customer service by phone.
  3. Selection of term options. Choose from several term options ranging from one month to 72 months, whichever fits your financial goals the best.

How much interest you can earn

Find out how much you can grow your savings by parking it in a Huntington Bank CD for different lengths of time.

Term lengthAPYAmount in savingsInterest earned at maturity
1 year0.10%$2,000$2.00
2 years0.10%$2,000$4.00
3 years0.10%$2,000$6.01
5 years0.10%$2,000$10.03

6 drawbacks to look out for

There are several potential drawbacks to watch out for before opening a Huntington CD:

  1. Low rates. Interest rates range from 0.05% to 0.1%, which is much lower than the competition.
  2. High minimum deposit. You need to deposit at least $1,000 to open a CD.
  3. Limited availability. Huntington accounts are only available to residents of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia and Wisconsin.
  4. Restricted funding options. You can’t fund this account with money from another Huntington deposit account.
  5. Must open at a branch. All Huntington CDs must be opened in person.
  6. Substantial withdrawal penalties. Unlike most CDs that charge penalties as a portion of interest earned, Huntington charges based on your principal deposit.

If you’re looking for an account with consistently high APYs, try opening a Discover CD with terms ranging from three months to 10 years. If you’d prefer an account with a large network of ATMs and some physical branches, consider a Capital One 360 CD with similar APYs as Discover.

Before opening an account, compare other CD options to find out if there’s a better fit for you.

Compare Huntington CD with other CDs

Select up to four products and choose Compare to see how Huntington CD rates stack up to the competition.

1 - 8 of 8
Name Product 6-month APY 1-year APY 5-year APY Minimum deposit to open
Pacific Western 7-Month High Yield CD through Raisin
Finder Rating: 4.7 / 5: ★★★★★
Pacific Western 7-Month High Yield CD through Raisin
Crescent Bank CDs
Finder Rating: 4.8 / 5: ★★★★★
Crescent Bank CDs
Earn competitive rates up to 5.35% APY (annual percentage yield) on terms ranging from 1 to 5 years. Pay $0 maintenance fees. Member FDIC.
Western Alliance Bank 12 months CDs through Raisin
Finder Rating: 4.7 / 5: ★★★★★
Western Alliance Bank 12 months CDs through Raisin
Get 5.51% 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.
Quontic Bank CD
Finder Rating: 5 / 5: ★★★★★
Quontic Bank CD
Lock in a high rate. Minimum of $500 required to open. Open your account in 3 minutes or less. Member FDIC.
Ponce Bank CD through Raisin
Finder Rating: 4.9 / 5: ★★★★★
Ponce Bank CD through Raisin
Snag the highest APYs on the market for the shortest CD terms via Raisin. FDIC insured.
Discover CDs
Finder Rating: 3.8 / 5: ★★★★★
Discover CDs
Start saving with $2,500 and enjoy flexible terms from 3 months to 10 years with no account fees. FDIC insured
CIT Bank Term CDs
Finder Rating: 3.5 / 5: ★★★★★
CIT Bank Term CDs
Lock up to a 5% APY with a 6-month CD from CIT Bank, a division of First Citizens Bank with 125 years of experience. $1,000 minimum to open. FDIC insured.
State Exchange Bank CD through Raisin
Finder Rating: 1.5 / 5: ★★★★★
State Exchange Bank CD through Raisin
Locally-owned independent community bank. Member FDIC No fees.

Huntington CD reviews and complaints

Huntington Bank has been accredited with the Better Business Bureau (BBB) and currently has an A+ rating with the organization. Huntington Bank has been in business for over 125 years, showing that it’s a stable choice for all your banking needs.

However, Huntington gets a 1 out of 5 stars by customers on the BBB site out of nearly 300 reviews. It also sports a 1.6 of 5 rating out of about 40 reviews on Trustpilot.

Customers complain about unresponsive customer service, unexpected holds on check deposits and a finicky app. Happy customers report that they enjoy the in-person service and no fees or minimum balance requirement.

How to cash out a Huntington CD

Once your CD reaches maturity, there’s a 10-day grace period where you’ll have the option to withdraw funds, transfer to another account or renew your CD. If your money is untouched at the end of the grace period, your CD will automatically renew for the same term length at the current interest rate.

Huntington CD early withdrawal penalties

Length of termPenalty
Less than 12 months1% of principal
13-24 months2% of principal
Greater than 25 months3% of principal

How to contact Huntington CD customer service

You can contact Huntington Bank customer service 24/7 at 800-480-2001.

You can also go to their website and choose Customer service at the top menu bar to find nearby branches or access an automated Q&A service.

CDs ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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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