APY Ledger

Huntington Bank CD Rates — October 2026

Also known as Huntington, Huntington National Bank.

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.

Last verified from www.huntington.com · FDIC-insured bank · Columbus, OH

Tracking began .

Best APY (ZIP 26505)4.30%394 days, $100,000 min
vs. Treasury−0.29%same-term Treasury 4.59%
vs. national average2.4×FDIC national average 1.76%
After inflation0.56%CPI 3.7% year over year
$10,000 earns$467over 394 days, before tax

Rates by location

Huntington Bank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.

Best Huntington Bank CD rate by ZIP code
LocationZIPBest termBest APY
Pittsburgh, PA15222394 days4.30%
Morgantown, WV26505394 days4.30%
Columbus, OH4321511 months4.30%
Florence, KY4104211 months4.25%
Indianapolis, IN46254394 days4.25%
Grand Rapids, MI49525394 days4.25%
Chicago, IL606385 months4.10%
Macon, GA312105 months4.00%
Tampa, FL336185 months4.00%
Birmingham, AL352035 months4.00%
Memphis, TN381195 months4.00%
Minneapolis, MN554065 months4.00%
Shreveport, LA711065 months4.00%
Houston, TX770925 months4.00%
Charlotte, NC282105 months3.85%
Charleston, SC294035 months3.85%
Milwaukee, WI532135 months3.85%
Fort Smith, AR729085 months3.85%
Denver, CO802075 months3.85%
Tupelo, MS388015 months3.75%
Springfield, MO658045 months3.51%

Huntington Bank CD rates in Morgantown, WV

Huntington Bank CD rates for ZIP 26505
TermProductMinimumAPYvs. Treasury
7 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −3.88%
14 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −3.88%
1 month Fixed Rate CD $1,000same APY in 3 balance tiers 0.25%Verified October 22, 2026 −3.88%
30 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −3.88%
60 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −3.95%
90 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −4.04%
3 months Fixed Rate CD $1,000same APY in 3 balance tiers 0.25%Verified October 22, 2026 −4.04%
180 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −4.15%
6 months Fixed Rate CD $1,000same APY in 3 balance tiers 0.25%Verified October 22, 2026 −4.15%
270 days Jumbo Fixed Rate CD Promotional $100,000same APY in 3 balance tiers 2.50%Verified October 22, 2026 −1.98%
270 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −4.23%
9 months Fixed Rate CD Promotional $1,000same APY in 2 balance tiers 2.50%Verified October 22, 2026 −1.98%
9 months Fixed Rate CD $1,000same APY in 3 balance tiers 0.25%Verified October 22, 2026 −4.23%
12 months Fixed Rate CD $1,000same APY in 3 balance tiers 0.25%Verified October 22, 2026 −4.32%
365 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −4.32%
394 days Jumbo Fixed Rate CD Promotional $100,000same APY in 3 balance tiers 4.30%Verified October 22, 2026 −0.29%
13 months Fixed Rate CD Promotional $1,000same APY in 2 balance tiers 4.30%Verified October 22, 2026 −0.30%
547 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −4.47%
18 months Fixed Rate CD $1,000same APY in 3 balance tiers 0.25%Verified October 22, 2026 −4.47%
24 months Fixed Rate CD $1,000same APY in 3 balance tiers 0.25%Verified October 22, 2026 −4.62%
730 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −4.62%
912 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −4.66%
36 months Fixed Rate CD $1,000same APY in 3 balance tiers 0.25%Verified October 22, 2026 −4.70%
1095 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −4.70%
48 months Fixed Rate CD $1,000same APY in 3 balance tiers 0.25%Verified October 22, 2026 −4.73%
1460 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −4.73%
60 months Fixed Rate CD $1,000same APY in 3 balance tiers 0.25%Verified October 22, 2026 −4.76%
1825 days Jumbo Fixed Rate CD $100,000same APY in 2 balance tiers 0.25%Verified October 22, 2026 −4.76%
72 months Fixed Rate CD $1,000same APY in 3 balance tiers 0.25%Verified October 22, 2026 −4.80%

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 (394 days). 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

What are Huntington Bank's best CD rates by term?

Huntington Bank's best rate for ZIP 26505 is 4.30% APY on 394 days, verified October 22, 2026.

  1. 7 days0.25%
  2. 14 days0.25%
  3. 1 mo0.25%
  4. 60 days0.25%
  5. 90 days0.25%
  6. 3 mo0.25%
  7. 180 days0.25%
  8. 6 mo0.25%
  9. 270 days2.50%
  10. 9 mo2.50%
  11. 12 mo0.25%
  12. 394 days4.30%
  13. 13 mo4.30%
  14. 547 days0.25%
  15. 18 mo0.25%
  16. 24 mo0.25%
  17. 912 days0.25%
  18. 36 mo0.25%
  19. 48 mo0.25%
  20. 60 mo0.25%
  21. 72 mo0.25%

Calculate earnings at 4.30% for 394 days

How Huntington Bank compares

Rate changes

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
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?

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?

Yes. Promotional rates differ by ZIP code: across the 21 ZIP codes we 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.

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.