What is the current Huntington Bank CD rate?

Huntington does not publish its CD rates on its main CD page, and its standard-rate tab could not be read for this article, so no standard Huntington APY is listed here (its rate table showed only promotional rates on October 15, 2026: 4.10% APY for 5 months and 2.50% APY for 9 months, for ZIP 43215). Rates are fixed for the term once you open the CD, but they vary by term and may vary by market, so ask at a branch or check Huntington's CD rates page before you open one. For context, the FDIC's national average for a 12-month CD was 1.73% as of its September 21, 2026 update.

What is the minimum deposit for a Huntington Bank CD?

The minimum opening deposit for a standard Huntington CD is $1,000, and Huntington says the requirement applies to each CD you open. It adds that some specialty options, like jumbo CDs, may require different minimum balances.

Does Huntington offer a no-penalty CD?

Huntington's CD page does not describe a no-penalty CD. It says early withdrawal penalties apply if you take money out before maturity, so ask a banker whether any no-penalty option is available before you rely on one.

What is the early withdrawal penalty on Huntington Bank CDs?

Huntington says the penalty depends on the term and is typically 90 days of interest for CDs under 12 months and 180 days of interest for terms of 12 months or longer. It is usually taken from interest earned first and, if necessary, from principal. Penalties may be reduced or waived in certain situations, such as the death of the account holder.

Huntington Bank CD Rates 2026 — Terms, Minimums, Penalties, and How to Check Rates

Huntington Bank offers CDs with terms from 1 month to 6 years and a $1,000 minimum opening deposit for a standard CD. Huntington’s rate table is ZIP-specific and changes, and its Standard Rates tab could not be read for this article, so this page shows only the promotional rates Huntington’s table displayed on October 15, 2026. Get the figure for your area and term from Huntington before you open an account. Huntington says it operates over 1,400 branches in 21 states.

Huntington promotional CD rates (October 15, 2026)

Huntington’s CD rate table showed these promotional rates, effective October 15, 2026, for the 43215 ZIP code. Rates are based on ZIP code, so yours may differ, and the standard (non-promotional) rates were not readable.

Term	Interest rate	APY
5 months	4.02%	4.10%
9 months	2.47%	2.50%

These apply to CDs under $100,000 ($1,000 to $19,999.99 and $20,000 to $99,999.99 tiers showed the same rates). Huntington’s jumbo CDs start at a $100,000 minimum; its jumbo promotional rows showed the same 4.10% (152 days) and 2.50% (270 days) APYs. Check Huntington’s rate page, call 800-480-2265, or ask at a branch for the APY on the term you want.

What Huntington’s CD page says

Terms: from 1 month up to 6 years, including 1-, 3-, 6- and 12-month options. Availability can vary by product type (standard CDs, CD IRAs and special fixed-rate CDs).
Minimum: $1,000 to open a standard CD, applied to each CD you open. Specialty options such as jumbo CDs may require different minimum balances.
Fixed rate: your rate stays the same for the entire term, and you cannot add money to the CD after it is opened.
How to open: Huntington’s FAQ says you must visit a branch and open the account in person.
CD IRAs: Huntington offers Traditional and Roth CD IRAs, with terms from 1 month to 6 years and a $1,000 minimum opening deposit.
Interest payout: interest can be paid monthly, quarterly, semi-annually, annually, or at maturity.

Early withdrawal penalties

Huntington says the penalty depends on your term. It is typically 90 days of interest for CDs under 12 months and 180 days of interest for terms of 12 months or longer. The penalty is usually taken from interest earned first and, if necessary, from principal. Penalties may be reduced or waived in certain situations, such as the death of the account holder. Early withdrawal can cut into your earnings, and on a very new CD it can reach into your deposit.

How Huntington rates compare

Huntington’s standard rates are not confirmed here, so the comparison below uses the national average and one online bank. The FDIC publishes national average CD rates (an average of the $10,000 and $100,000 tiers across insured banks and credit unions). In its update dated September 21, 2026, the national average for a 12-month CD was 1.73%.

On a $10,000 deposit held for 12 months, 1.73% APY earns about $173 in interest. For an online-bank comparison, Marcus by Goldman Sachs listed a 12-month CD at 4.40% APY (minimum $500), which would earn about $440 on the same deposit. Compare Huntington’s APY for your term against both before you commit.

Interest figures are simple 12-month APY arithmetic on $10,000, not a Huntington quote.

Who should open a Huntington CD?

May suit:

Existing Huntington customers who want to keep savings in one place
Savers who prefer to open and manage a CD in person at a branch

Consider alternatives if:

Huntington’s quoted APY for your term is below what online banks and the national average offer
You have less than $1,000 to deposit
You want to open the CD online or add money to it later

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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