Huntington Bank CD Rates — October 2026
As of October 22, 2026, Huntington Bank's best CD rate for ZIP 43215 (Columbus, OH) is 4.30% APY on an 11-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Rates vary by location — from 3.51% to 4.30% APY across the 21 ZIP codes we checked. Standard CD rates are 0.25% APY in every ZIP we checked.
Tracking began .
Rates by location
Huntington Bank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
| Location | ZIP | Best term | Best APY |
|---|---|---|---|
| Pittsburgh, PA | 15222 | 394 days | 4.30% |
| Morgantown, WV | 26505 | 394 days | 4.30% |
| Columbus, OH | 43215 | 11 months | 4.30% |
| Florence, KY | 41042 | 11 months | 4.25% |
| Indianapolis, IN | 46254 | 394 days | 4.25% |
| Grand Rapids, MI | 49525 | 394 days | 4.25% |
| Chicago, IL | 60638 | 5 months | 4.10% |
| Macon, GA | 31210 | 5 months | 4.00% |
| Tampa, FL | 33618 | 5 months | 4.00% |
| Birmingham, AL | 35203 | 5 months | 4.00% |
| Memphis, TN | 38119 | 5 months | 4.00% |
| Minneapolis, MN | 55406 | 5 months | 4.00% |
| Shreveport, LA | 71106 | 5 months | 4.00% |
| Houston, TX | 77092 | 5 months | 4.00% |
| Charlotte, NC | 28210 | 5 months | 3.85% |
| Charleston, SC | 29403 | 5 months | 3.85% |
| Milwaukee, WI | 53213 | 5 months | 3.85% |
| Fort Smith, AR | 72908 | 5 months | 3.85% |
| Denver, CO | 80207 | 5 months | 3.85% |
| Tupelo, MS | 38801 | 5 months | 3.75% |
| Springfield, MO | 65804 | 5 months | 3.51% |
Huntington Bank CD rates in Columbus, OH
Brand history sources: Cadence Bank
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 7 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −3.88% | Verified October 22, 2026 |
| 14 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −3.88% | Verified October 22, 2026 |
| 1 month | Fixed Rate CD | $1,000same APY in 3 balance tiers | 0.25% | −3.88% | Verified October 22, 2026 |
| 30 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −3.88% | Verified October 22, 2026 |
| 60 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −3.95% | Verified October 22, 2026 |
| 90 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −4.04% | Verified October 22, 2026 |
| 3 months | Fixed Rate CD | $1,000same APY in 3 balance tiers | 0.25% | −4.04% | Top 91% of tracked 3-month CDs · Verified October 22, 2026 |
| 180 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −4.15% | Verified October 22, 2026 |
| 6 months | Fixed Rate CD | $1,000same APY in 3 balance tiers | 0.25% | −4.15% | Top 95% of tracked 6-month CDs · Verified October 22, 2026 |
| 270 days | Jumbo Fixed Rate CD Promotional | $100,000same APY in 3 balance tiers | 2.50% | −1.98% | Verified October 22, 2026 |
| 270 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −4.23% | Verified October 22, 2026 |
| 9 months | Fixed Rate CD Promotional | $1,000same APY in 2 balance tiers | 2.50% | −1.98% | Top 83% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Fixed Rate CD | $1,000same APY in 3 balance tiers | 0.25% | −4.23% | Top 95% of tracked 9-month CDs · Verified October 22, 2026 |
| 11 months | Fixed Rate CD Promotional | $1,000same APY in 2 balance tiers | 4.30% | −0.24% | Verified October 22, 2026 |
| 335 days | Jumbo Fixed Rate CD Promotional | $100,000same APY in 3 balance tiers | 4.30% | −0.24% | Verified October 22, 2026 |
| 12 months | Fixed Rate CD | $1,000same APY in 3 balance tiers | 0.25% | −4.32% | Top 96% of tracked 12-month CDs · Verified October 22, 2026 |
| 365 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −4.32% | Top 96% of tracked 365-day CDs · Verified October 22, 2026 |
| 547 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −4.47% | Verified October 22, 2026 |
| 18 months | Fixed Rate CD | $1,000same APY in 3 balance tiers | 0.25% | −4.47% | Top 95% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Fixed Rate CD | $1,000same APY in 3 balance tiers | 0.25% | −4.62% | Top 97% of tracked 24-month CDs · Verified October 22, 2026 |
| 730 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −4.62% | Top 97% of tracked 730-day CDs · Verified October 22, 2026 |
| 912 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −4.66% | Verified October 22, 2026 |
| 36 months | Fixed Rate CD | $1,000same APY in 3 balance tiers | 0.25% | −4.70% | Top 97% of tracked 36-month CDs · Verified October 22, 2026 |
| 1095 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −4.70% | Top 97% of tracked 1095-day CDs · Verified October 22, 2026 |
| 48 months | Fixed Rate CD | $1,000same APY in 3 balance tiers | 0.25% | −4.73% | Top 98% of tracked 48-month CDs · Verified October 22, 2026 |
| 1460 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −4.73% | Top 98% of tracked 1460-day CDs · Verified October 22, 2026 |
| 60 months | Fixed Rate CD | $1,000same APY in 3 balance tiers | 0.25% | −4.76% | Top 98% of tracked 60-month CDs · Verified October 22, 2026 |
| 1825 days | Jumbo Fixed Rate CD | $100,000same APY in 2 balance tiers | 0.25% | −4.76% | Top 98% of tracked 1825-day CDs · Verified October 22, 2026 |
| 72 months | Fixed Rate CD | $1,000same APY in 3 balance tiers | 0.25% | −4.80% | 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.
Rates that are the same in every ZIP
61 of Huntington Bank's CD rates were identical in all 21 ZIP codes we checked, all at 0.25% APY.
Watch the renewal rate
The best promotional rate here is 4.30% APY (11 months). The standard rate for a similar term is 0.25% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $405 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Huntington Bank's best CD rates by term?
Huntington Bank's best rate for ZIP 43215 is 4.30% APY on 11 months, verified October 22, 2026.
- 7 days0.25%
- 14 days0.25%
- 1 mo0.25%
- 60 days0.25%
- 90 days0.25%
- 3 mo0.25%
- 180 days0.25%
- 6 mo0.25%
- 270 days2.50%
- 9 mo2.50%
- 11 mo4.30%
- 12 mo0.25%
- 547 days0.25%
- 18 mo0.25%
- 24 mo0.25%
- 912 days0.25%
- 36 mo0.25%
- 48 mo0.25%
- 60 mo0.25%
- 72 mo0.25%
How much interest could a Huntington Bank CD earn?
Estimated interest at maturity for the displayed ZIP 43215 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.
$393.97 interest · $10,393.97 at maturity on $10,000.00.
4.30% APY · 11 months · Fixed Rate CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 14 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 1 month | $1.030.25% APY · Fixed Rate CD · Standard | $2.050.25% APY · Fixed Rate CD · Standard | $5.130.25% APY · Fixed Rate CD · Standard | $10.260.25% APY · Fixed Rate CD · Standard |
| 60 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 90 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 3 months | $3.110.25% APY · Fixed Rate CD · Standard | $6.230.25% APY · Fixed Rate CD · Standard | $15.570.25% APY · Fixed Rate CD · Standard | $31.140.25% APY · Fixed Rate CD · Standard |
| 180 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 6 months | $6.260.25% APY · Fixed Rate CD · Standard | $12.530.25% APY · Fixed Rate CD · Standard | $31.320.25% APY · Fixed Rate CD · Standard | $62.630.25% APY · Fixed Rate CD · Standard |
| 270 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 9 months | $93.552.50% APY · Fixed Rate CD · Promotional | $187.092.50% APY · Fixed Rate CD · Promotional | $467.732.50% APY · Fixed Rate CD · Promotional | $935.462.50% APY · Fixed Rate CD · Promotional |
| 11 months | $196.994.30% APY · Fixed Rate CD · Promotional | $393.974.30% APY · Fixed Rate CD · Promotional | $984.934.30% APY · Fixed Rate CD · Promotional | $1,969.854.30% APY · Fixed Rate CD · Promotional |
| 12 months | $12.500.25% APY · Fixed Rate CD · Standard | $25.000.25% APY · Fixed Rate CD · Standard | $62.500.25% APY · Fixed Rate CD · Standard | $125.000.25% APY · Fixed Rate CD · Standard |
| 547 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 18 months | $18.780.25% APY · Fixed Rate CD · Standard | $37.560.25% APY · Fixed Rate CD · Standard | $93.890.25% APY · Fixed Rate CD · Standard | $187.790.25% APY · Fixed Rate CD · Standard |
| 24 months | $25.030.25% APY · Fixed Rate CD · Standard | $50.060.25% APY · Fixed Rate CD · Standard | $125.160.25% APY · Fixed Rate CD · Standard | $250.310.25% APY · Fixed Rate CD · Standard |
| 912 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 36 months | $37.590.25% APY · Fixed Rate CD · Standard | $75.190.25% APY · Fixed Rate CD · Standard | $187.970.25% APY · Fixed Rate CD · Standard | $375.940.25% APY · Fixed Rate CD · Standard |
| 48 months | $50.190.25% APY · Fixed Rate CD · Standard | $100.380.25% APY · Fixed Rate CD · Standard | $250.940.25% APY · Fixed Rate CD · Standard | $501.880.25% APY · Fixed Rate CD · Standard |
| 60 months | $62.810.25% APY · Fixed Rate CD · Standard | $125.630.25% APY · Fixed Rate CD · Standard | $314.070.25% APY · Fixed Rate CD · Standard | $628.130.25% APY · Fixed Rate CD · Standard |
| 72 months | $75.470.25% APY · Fixed Rate CD · Standard | $150.940.25% APY · Fixed Rate CD · Standard | $377.350.25% APY · Fixed Rate CD · Standard | $754.700.25% APY · Fixed Rate CD · Standard |
How Huntington Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 6 of 58 tracked institutions with fresh 335-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Huntington Bank (this institution)Fixed Rate CD · Promotional | 11 months | $1,000 | Columbus, OH · ZIP 43215 | 4.30% | October 22, 2026 |
| Capital OneSpecial 11-month 360 CD · Promotional | 11 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Seven Seventeen Credit UnionCertificate · Standard | 11 months | $500 | Membership required · branches in OH | 4.25% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 11 months | $2,500 | Available nationwide | 4.10% | October 22, 2026 |
| Happen Bank (highest tracked APY for this term)CD · Promotional | 11 months | $500 | Branches in CA, UT | 4.65% | October 22, 2026 |
| Treasury (APY-equivalent) | 11 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.54% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Huntington Bank on October 22, 2026.
About Huntington Bank
- Legal name
- The Huntington National Bank
- Regulator ID
- FDIC 6560
- Headquarters
- Columbus, OH
- Available in
- OH, MI, PA, IL, MN, CO, IN, KY, WV, WI, TX, NC, SC, FL, GA, AL, TN, MS, LA, AR, MO
- Total assets
- $283.1 billion
- Also known as
- Huntington, Huntington National Bank, Cadence Bank
- Website
- www.huntington.com
Source: rates read from https://www.huntington.com/Personal/savings-cds-overview/certificates-of-deposit/rate-table. See the page text we read.
Frequently asked questions
What is the highest CD rate at Huntington Bank?
Among the rates we track, 4.30% APY on an 11-month promotional CD for ZIP 43215, as of October 22, 2026.
What is the minimum deposit for a Huntington Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $2,000,000.
Do Huntington Bank CD rates depend on where you live?
Rates may depend on location. Across the 21 ZIP codes checked, the best rate ranged from 3.51% (Springfield, MO) to 4.30% (Pittsburgh, PA).
How does Huntington Bank's best CD rate compare with Treasury yields?
4.30% APY is −0.24% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.30% 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 Huntington Bank CDs insured?
Huntington Bank is an FDIC-insured bank (FDIC 6560). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Huntington Bank's rate page every day. The rates above were last verified on October 22, 2026.
What happened to Cadence Bank CD rates?
Cadence Bank merged into The Huntington National Bank on February 1, 2026, and cadencebank.com no longer publishes CD rates. This page lists current Huntington quotes for the ZIP codes checked, including markets in Mississippi, Alabama, Texas, Tennessee, Arkansas and Louisiana; existing Cadence CDs may retain different contractual terms.
More bank CD rates
Rates are copied from Huntington Bank's website and may change at any time. Confirm terms, minimums and eligibility with Huntington Bank before opening an account. This page is not financial advice.