Huntington Bank CD Rates and Terms for 2026
Written by
Karen Doyle
Edited by
Elizabeth Constantineau, CFHC™
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Looking for short-term certificates of deposit (CDs) with strong promotional yields? Huntington Bank is offering limited-time rates on select terms, including 5- and 9-month CDs, with higher returns than its standard offerings. While the bank’s regular CDs earn modest interest, these promotional options give savers a chance to lock in a better yield for a limited time.
Huntington Bank Fixed CD Rates
Here are Huntington Bank’s CD rates for deposits between $1,000 and $99,999.
| Term | APY | Minimum Deposit |
|---|---|---|
| 5 months (promo) | $1,000 | |
| 9 months (promo) | $1,000 | |
| 1 to 72 months (standard) | $1,000 |
Huntington Bank Jumbo CD Rates
Jumbo CDs are designed for deposits of $100,000 or more, with terms ranging from 7 days to 6 years. Here are current rates:
| Term | APY | Minimum Deposit |
|---|---|---|
| 152 days (promo) | $100,000 | |
| 270 days (promo) | $100,000 | |
| 7 to 1,825 days (standard) | $100,000 |
Key Features of Huntington Bank CDs
Learn more about Huntington Bank CDs with these key features:
Interest Rates
CDs at Huntington Bank offer a fixed rate of interest for the term of the certificate. When you purchase a CD, you know how much interest you will earn over that period of time. If you withdraw funds before the end of the term, you may pay a penalty.
Minimum Deposit Requirements
Huntington Bank CDs require a minimum deposit of $1,000. You cannot deposit additional funds into a CD — you have to open a new CD account if you want to invest more money.
CD Renewal Process
When a Huntington Bank CD matures or reaches the end of its term, it will automatically renew into another CD of the same duration. You will be notified before this happens so that you can withdraw your money without penalty if you choose.
Accessibility
To purchase a Huntington Bank CD, you need to go to a Huntington Bank branch in person. You cannot open a CD account online.
Pros and Cons of Huntington Bank CDs
Pros:
- Fixed interest rates
- FDIC-insured up to $250,000 per depositor, per account type
- Easy online accessibility
Cons:
- Early withdrawal penalties can reduce your earnings
- Standard interest rates are fairly low
How Much Can You Earn With a Huntington Bank CD?
Your CD earnings can depend on a variety of factors, including:
- The amount of your deposit
- Your CD’s term length
- The annual percentage yield (APY) on the CD
Here’s a look at estimated earnings with Huntington Bank CDs:
| Deposit Amount | Term Length | APY | Estimated Interest Earned |
|---|---|---|---|
| $1,000 | 5 months | $16.80 | |
| $2,500 | 9 months | $56.97 | |
| $5,000 | 12 months | $25 | |
| $10,000 | 5 months | $164.76 | |
| $25,000 | 9 months | $569.72 |
You can also try the GOBankingRates Savings Calculator to get a full picture of what you can earn over time with compounded interest.
How To Open a Huntington Bank CD
To open a CD with Huntington Bank, you will need to visit a Huntington Bank branch. CD accounts cannot be opened online.
When you go to the branch, be sure you have your identification, such as a driver’s license or passport. You’ll also need a way to fund the CD, which could be a check or electronic transfer from another account.
How Huntington Bank CD Rates Compare to Other Banks
It pays to compare when buying a CD, so you’ll want to consider what other banks have to offer. The major things you want to look at are APYs, minimum deposit amounts and available terms.
Here’s a look at 9-month and 5-year CDs at some other banks, compared to Huntington Bank.
| Bank | 9-Month CD APY | 5-Year CD APY | Minimum Deposit |
|---|---|---|---|
| Huntington Bank | $1,000 | ||
| Ally Bank | $0 | ||
| Chase Bank | Up to | Up to | $1,000 |
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
No monthly service fee
No monthly service fee
APY
APY
APY
on 5-month promo CD
Up to
Up to
Min Opening
Min Opening
Min Opening
$1,000
$0
$1,000
Is a Huntington Bank CD Right for You?
Ideal for:
- Those who prefer in-person banking, as many local branches are available.
- Those who prefer more conservative investments.
- Those with high net worth or may benefit from jumbo CDs.
Not great for:
- Those who are looking for the highest rates possible, as these might be found at other institutions.
- Those who need more liquidity with their investments.
- Those who prefer to bank fully online.
Why Huntington Bank Can Offer What You Need
Huntington Bank offers a variety of CD rates and terms, with a reasonable minimum opening deposit. Promotional rates are competitive, but if you’re looking for a different term, especially a longer term, you may be better off shopping around.
Huntington Bank CDs, especially with promotional rates, can be a good choice for savers who want to take no risk and who are able to leave their money on deposit until the end of the term.
Huntington Bank CD Rates FAQ
Here are some answers to frequently asked questions about Huntington Bank's CD rates.- What is the minimum deposit for a Huntington CD?
- You’ll need at least $1,000 to open a standard Huntington CD and $100,000 for a jumbo CD.
- How often does Huntington change its CD rates?
- Huntington can adjust CD rates at any time in response to market conditions and Federal Reserve moves. Once you open a CD, though, your rate is fixed for the full term.
- Can I open a Huntington CD online?
- You can usually start the process online, but many Huntington CDs — especially IRA CDs — are finalized at a branch.
- What happens if I cash out my Huntington CD early?
- If you withdraw principal before maturity, you’ll owe an early withdrawal penalty. The amount of the fee will depend on your original CD term length.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 29, 2026.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
