What is the current Huntington Bank CD rate?

As of June 2026, Huntington Bank standard CD rates range from approximately 1.00% to 2.50% APY. When Promotional CDs are available, rates can reach 3.75–4.25% APY on select terms. Promotional availability varies and is not guaranteed. Check huntington.com or visit a branch for current offers.

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 CD rates range from approximately 1.00% to 4.25% APY in June 2026, with the best rates available through periodic Promotional CDs on select terms. Huntington operates approximately 1,000 branches across the Midwest — primarily Ohio, Michigan, Indiana, Wisconsin, Illinois, Kentucky, Pennsylvania, and West Virginia — making it a familiar choice for existing customers in those markets.

Rates shown are as of June 2026 and change frequently. Verify current rates at huntington.com or at a local Huntington branch. Promotional rates are not always available.

Huntington CD Rates by Term (June 2026)

Term	Standard APY	Promotional APY (when available)
3 months	1.00–1.50%	3.50–3.75%
6 months	1.25–1.75%	3.75–4.00%
12 months	1.50–2.25%	4.00–4.25%
18 months	1.50–2.00%	3.75–4.00%
2 years	1.50–2.00%	3.50–3.75%
3 years	1.25–1.75%	3.25–3.50%
5 years	1.00–1.50%	3.00–3.25%

Promotional CDs at Huntington typically require a new deposit — funds not already held at the bank — and are offered on a rotating basis.

How Much Can You Earn?

On a $10,000 deposit at Huntington’s approximate promotional 12-month rate of 4.13% APY:

After 12 months: ~$10,413 ($413 in interest)

At Huntington’s standard 12-month rate of 1.88% APY:

After 12 months: ~$10,189 ($189 in interest)

The gap between promotional and standard rates: approximately $224 on $10,000 per year. Whether a promotional rate is available when you’re ready to open makes a significant difference to your outcome.

Early Withdrawal Penalties

Term	Penalty
Less than 12 months	90 days of interest
12 months or more	180 days of interest

Example: Open a 12-month promotional CD at 4.13% APY with $10,000 and withdraw after 6 months. You’ve earned approximately $207 in interest but forfeit 180 days (6 months) — the same $207. Net return: $0 for the 6 months held. The break-even point is exactly at the halfway mark. Don’t plan to access a Huntington 12-month CD in the first 6 months.

Huntington vs. Fifth Third and Online Banks

	Huntington (Promo)	Fifth Third (Promo)	Ally Bank	Capital One 360
Best 12-month APY	~4.13%	~4.13%	~4.50%	~4.45%
Minimum deposit	$1,000	$500	$0	$0
In-person branches	Yes (8 states)	Yes (11 states)	No	No
No-penalty CD	No	No	Yes	No
Promotion required	Yes	Yes	No	No

Huntington and Fifth Third offer similar promotional rate structures — both regional Midwest banks competing for the same customer base. Online banks consistently outperform both on rate availability and accessibility.

Huntington Relationship Perks

Existing Huntington customers with higher-tier accounts (Platinum, Signature, Private Client) may have access to relationship pricing on CDs. If you hold significant assets with Huntington, ask a relationship banker about preferential CD rates before opening a standard or promotional CD. This can sometimes improve your rate without waiting for a promotional window.

CD Renewal at Huntington

Huntington CDs automatically renew at maturity at the standard rate for the same term — not at a promotional rate. The grace period is 10 calendar days after maturity. Promotional CD customers should note their maturity date carefully, since the renewal rate may be substantially lower than what they’ve been earning. Compare options 30 days before maturity.

Who Should Open a Huntington CD?

Best for:

Existing Huntington customers in the Midwest 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 (Ally and Capital One have no minimum)
You want penalty-free flexibility (Ally’s no-penalty CD)

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