What is the current Huntington Bank CD rate?

As of July 8, 2026, Huntington Bank standard CD rates are 0.25% APY across all available terms. Promotional CD rates are offered periodically on select terms and may be significantly higher, but availability is not guaranteed. Rates may also vary by zip code — verify current rates at huntington.com or at a local branch before opening an account.

What is the minimum deposit for a Huntington Bank CD?

Huntington Bank requires a minimum deposit of $1,000 for most standard CDs. Promotional CDs may have different requirements. This is higher than online banks like Ally and Capital One 360, which have no minimum deposit requirement.

Does Huntington offer a no-penalty CD?

Huntington Bank does not currently offer a no-penalty CD. All standard Huntington CDs are fixed-term with early withdrawal penalties. If you need penalty-free access to your money before the term ends, Ally Bank's 11-month No-Penalty CD is a widely recommended alternative.

What is the early withdrawal penalty on Huntington Bank CDs?

Huntington's early withdrawal penalty is typically 90 days of interest for terms under 12 months and 180 days of interest for terms of 12 months or longer. Breaking a CD early will reduce or eliminate your earned interest — on a short-term CD, you may come out with less than you put in if you withdraw very early in the term.

Huntington Bank CD Rates 2026 — Terms, APYs, and How They Compare

Huntington Bank’s standard CD rates are 0.25% APY across all terms as of July 8, 2026 — one of the lowest among major US banks. Promotional CDs, when available, offer higher rates on select terms and are the primary reason existing Huntington customers consider the bank for CDs. Huntington operates approximately 1,000 branches across the Midwest — primarily Ohio, Michigan, Indiana, Wisconsin, Illinois, Kentucky, Pennsylvania, and West Virginia.

Rates shown are standard rates verified from huntington.com as of July 8, 2026. Rates change frequently and may vary by zip code. Always confirm current rates directly with Huntington before opening an account. Promotional rates are not always available.

Huntington Standard CD Rates (July 8, 2026)

These are the Standard Rates tab rates — what you earn without a promotional offer.

Fixed Rate CDs (Under $100,000)

Term	APY ($1,000–$9,999)	APY ($10,000–$49,999)	APY ($50,000–$99,999)
1 month	0.25%	0.25%	0.25%
3 months	0.25%	0.25%	0.25%
6 months	0.25%	0.25%	0.25%
9 months	0.25%	0.25%	0.25%
12 months	0.25%	0.25%	0.25%
18 months	0.25%	0.25%	0.25%
24 months	0.25%	0.25%	0.25%
36 months	0.25%	0.25%	0.25%
48 months	0.25%	0.25%	0.25%
60 months	0.25%	0.25%	0.25%
72 months	0.25%	0.25%	0.25%

Minimum to open: $1,000.

Jumbo Fixed Rate CDs ($100,000 or More)

Term	APY ($100,000–$249,999)	APY ($250,000+)
7 days	0.25%	0.25%
14 days	0.25%	0.25%
30 days	0.25%	0.25%
60 days	0.25%	0.25%
90 days	0.25%	0.25%
180 days	0.25%	0.25%
270 days	0.25%	0.25%
365 days	0.25%	0.25%
547 days (~18 mo.)	0.25%	0.25%
730 days (2 yr.)	0.25%	0.25%
912 days (~30 mo.)	0.25%	0.25%
1,095 days (3 yr.)	0.25%	0.25%
1,460 days (4 yr.)	0.25%	0.25%
1,825 days (5 yr.)	0.25%	0.25%

Minimum to open: $100,000.

How Much Can You Earn?

At Huntington’s current standard 12-month rate of 0.25% APY on a $10,000 deposit:

After 12 months: ~$10,025 ($25 in interest)

For comparison, a 12-month CD at a competitive online bank currently paying around 4.00% APY would earn approximately $400 on the same deposit — roughly 16 times more interest. If no promotional rate is currently available from Huntington, an online bank CD is likely the better option on rate alone.

Who Should Open a Huntington CD?

Best for:

Existing Huntington customers who want to keep savings in one place
Savers who can time a deposit to a promotional offer
Those who value in-person branch access for CD management

Consider alternatives if:

No promotional rate is currently running (standard rates are well below online bank averages)
You have less than $1,000 (this is the minimum required for purchase)
You want penalty-free flexibility

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.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy