Huntington Bank CD Rates: What You Need To Know in 2025
Written by
Karen Doyle
Edited by
Melanie Grafil
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Huntington Bank offers a variety of CDs, but there is little variation in the interest rate. Promotional rates are available now for 5-month and 9-month CDs, and for 152-day and 270-day jumbo CDs.
Huntington Bank offers regular and jumbo fixed rate CDs for terms ranging from 7 days to 6 years. Regular CDs can be purchased with deposits ranging from $1,000 to $99,999. Jumbo CDs require a deposit between $100,000 and $99,999,999.99.
The table below shows the interest rates on CDs offered by Huntington Bank. Note that the term for regular CD is expressed in months, while the term for jumbo CDs in expressed in days.
Fixed Rate CDs Under $100K: Promotional and Standard Rates
| Term | Deposit Amount | APY |
|---|---|---|
| 5 months (promo) | $1,000 – $99,999 | Up to |
| 9 months (promo) | $1,000 – $99,999 | Up to |
| 1-72 months (standard) | $1,000 – $99,999 |
Jumbo CDs $100K and Up: Promotional and Standard Rates
| Term | Deposit Amount | APY |
|---|---|---|
| 152 days (promo) | $100,000 or more | |
| 270 days (promo) | $100,000 or more | |
| 7-1,825 days (standard) | $100,000 or more |
Key Features of Huntington Bank CDs
Huntington Bank CDs have 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 (i.e., 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 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 | $18.08 | |
| $1,000 | 9 months | $22.88 | |
| $1,000 | 12 months | $5 | |
| $2,500 | 5 months | $45.21 | |
| $2,500 | 9 months | $57.19 | |
| $2,500 | 12 months | $12.50 | |
| $10,000 | 5 months | $180.83 | |
| $10,000 | 9 months | $228.75 | |
| $10,000 | 12 months | $50 |
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.
Huntington Bank CD Terms and Conditions
A Huntington Bank CD can only be opened with a single deposit. You cannot add funds to a Huntington Bank CD account once it has been opened.
When you open your account, you choose the term of the CD. If you withdraw funds prior to the end of the term, you will be charged a penalty. This penalty could equal some or all of the interest credited to the account to date, or could even exceed it, so that you would receive back less than the amount you deposited. Be sure to select a term you know you can live with to avoid early withdrawal penalties.
When your CD matures, you can renew it for the same term, withdraw the funds, or roll the funds into another type of account. The default option is renewal, so if you don’t tell Huntington Bank what to do, they will renew your CD for the same term. You will be notified prior to the end of the term so you can notify the bank if you want a different option.
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 annual percentage yield, minimum deposit amounts and available terms.
Here’s a look at 9-month and a 5-year CDs at some other banks, compared to Huntington Bank.
Huntington Bank
A 9-month CD currently pays a promotional APY of . A 5-year CD pays a standard rate of . The minimum opening deposit is $1,000. Huntington Bank offers 12 different terms for regular CDs and 15 for jumbo CDs.
Ally Bank
Ally Bank, which is online-only, offers a 9-month CD that pays APY and a 5-year CD that pays APY. In all, Ally offers seven different terms, and there is no minimum deposit required.
Chase
Chase’s 9-month CD and 5-year CD both pay APY if you have no other Chase accounts, and APY if you qualify for the Relationship rate. The minimum opening deposit is $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.
Conclusion
Huntington Bank offers a variety of CD 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 to shop 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.- Can I withdraw money from my Huntington Bank CD early?
- You can, but you will pay an early withdrawal penalty. This will reduce the amount of interest you earn on your money.
- What happens when my Huntington Bank CD matures?
- You'll be notified by Huntington Bank prior to your renewal date. You can withdraw your money, roll it over into a different type of account at Huntington Bank, or renew your CD at the same term and the current rate. If you don't tell the bank otherwise, your CD will automatically renew.
- What is the minimum deposit for a Huntington Bank CD?
- The minimum deposit for a Huntington Bank CD is $1,000.
- Do I need a Huntington Bank account to open a CD?
- No, you don't a Huntington Bank account to open a CD, but you will need to fund it with funds from another checking or savings account.
- Can I open a CD online?
- No, you need to visit a Huntington Branch to open a CD account.
- What happens if I withdraw before the term ends?
- You'll have to pay an early withdrawal penalty if you take out the money from your Huntington Bank CD before it matures.
- Are Huntington Bank CD rates competitive in 2025?
- Huntington Bank CDs are moderately competitive, with their highest APY offerings being the 5- and 9-month CDs. The 5-month promotional CD offers a 4.08%.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of June 3, 2025.
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.
