Fifth Third Bank CD Rates — October 2026
As of October 22, 2026, Fifth Third Bank's best CD rate for ZIP 33602 (Tampa, FL) is 4.15% APY on a 13-month promotional CD ($5,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Rates vary by location — from 3.50% to 4.15% APY across the 3 ZIP codes we checked.
Tracking began .
Rates by location
Fifth Third Bank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
Fifth Third Bank CD rates in Cincinnati, OH
Brand history sources: Comerica Bank
Featured promotional CD quotes are specific to the market of each ZIP code checked; standard CDs (0.01% APY at the time of checking) are not listed. Comerica Bank merged into Fifth Third on February 1, 2026.
| Term | Product | APY |
|---|---|---|
| 3 months | 3 Month CD Promo Promotional | 3.00%Verified October 22, 2026 |
| 7 months | 7 Month CD Promo Promotional | 3.20%Verified October 22, 2026 |
| 13 months | 13 Month CD Promo Promotional | 3.40%Verified October 22, 2026 |
| 24 months | 24 Month CD Promo Promotional | 3.50%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Fifth Third Bank's best CD rates by term?
Fifth Third Bank's best rate for ZIP 45202 is 3.50% APY on 24 months, verified October 22, 2026.
- 3 mo3.00%
- 7 mo3.20%
- 13 mo3.40%
- 24 mo3.50%
How much interest could a Fifth Third Bank CD earn?
Estimated interest at maturity for the displayed ZIP 45202 quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $36.983.00% APY · 3 Month CD Promo · Promotional | $73.973.00% APY · 3 Month CD Promo · Promotional | $184.923.00% APY · 3 Month CD Promo · Promotional | $369.833.00% APY · 3 Month CD Promo · Promotional |
| 24 months | $356.123.50% APY · 24 Month CD Promo · Promotional | $712.253.50% APY · 24 Month CD Promo · Promotional | $1,780.623.50% APY · 24 Month CD Promo · Promotional | $3,561.253.50% APY · 24 Month CD Promo · Promotional |
How Fifth Third Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 31 of 59 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Fifth Third Bank (this institution)24 Month CD Promo · Promotional | 24 months | $5,000 | Cincinnati, OH · ZIP 45202 | 3.50% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank) (highest tracked APY for this term)Bank CD · Promotional | 24 months | Not stated | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 24 months | $10,000 | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Barclays24 Month CD · Standard | 24 months | Not stated | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Fifth Third Bank on October 22, 2026.
About Fifth Third Bank
- Legal name
- Fifth Third Bank, National Association
- Regulator ID
- FDIC 6672
- Headquarters
- Cincinnati, OH
- Available in
- AL, AZ, CA, FL, GA, IL, IN, KY, MI, NC, NY, OH, SC, TN, TX, WV
- Total assets
- $299.2 billion
- Also known as
- Fifth Third, 53 Bank, Comerica Bank
- Website
- www.53.com
Source: rates read from https://secure.53.com/openconsumer/rates.html?productType=cd. See the page text we read.
Frequently asked questions
What is the highest CD rate at Fifth Third Bank?
4.15% APY on a 13-month promotional CD for ZIP 33602, as of October 22, 2026.
What is the minimum deposit for a Fifth Third Bank CD?
The lowest minimum we found is $5,000.
Do Fifth Third Bank CD rates depend on where you live?
Rates may depend on location. Across the 3 ZIP codes checked, the best rate ranged from 3.50% (Cincinnati, OH) to 4.15% (Tampa, FL).
How does Fifth Third Bank's best CD rate compare with Treasury yields?
4.15% APY is −0.45% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.15% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Fifth Third Bank CDs insured?
Fifth Third Bank is an FDIC-insured bank (FDIC 6672). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Fifth Third Bank's rate page every day. The rates above were last verified on October 22, 2026.
What happened to Comerica Bank CD rates?
Comerica merged with Fifth Third on February 1, 2026; Fifth Third completed its technology and brand conversion in September 2026. This page lists current Fifth Third quotes for the ZIP codes checked, not historical Comerica contract rates.
More bank CD rates
Rates are copied from Fifth Third Bank's website and may change at any time. Confirm terms, minimums and eligibility with Fifth Third Bank before opening an account. This page is not financial advice.