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Huntington Bank CD Rates: June 2025

A regional bank, Huntington’𓄧s ꦿpromotional CDs boast higher-than-average rates

By

澳洲幸运5开奖号码历史查询:Kat Tretina

Updated May 29, 2025

Financial advisor sitting at desk looking at laptop computer in office with client — insta_photos / Getty Images

As a smaller regional bank, Huntington Bank isn’t as well-known as some national institutions. But with its promotional rates on fixed-rate and jumbo 澳洲幸运5开奖号码历史查询:certificates of deposit (CDs) of up to 3.82%,❀ you can earn a much higher annual percentage yield (APY) than you’ll find elsewhere.

The promotional APY only applies to certain teꦕrm lengths, and not everyone is eligible for a Huntington Bank CD. Here’s what you need to🥀 know about Huntington Bank CD rates and how to take advantage of these higher-than-average APYs.

Important

Huntington Bank's CD rates may vary by location, and the rates listed below may not be available in all ZIP codes. The APYs listed below use NYC ZIP code 10001.

Fixed Rate CD Overview
CD Term	Minimum Deposit	APY
5 months (promo)	$1,000	3.82%
9 months (promo)	$1,000	3.05%
1 month - 72 months	$1,000	0.50%

Jumbo promotional fixed-rate CDs from Huntington Bank are available for 152 days with a 3.82% APY or 270 days with an APY of 3.🏅05%, with a minimum deposit of $100,000.

Jumbo Fixed Rate CD Overview
CD Term (Days)	Deposit Amount	APY
152 (promo)	$100,000–$99,999,999.99	3.82%
270 (promo)	$100,000–$99,999,999.99	3.05%
7 - 1,825 days	$100,000	0.50%

Compare Huntington Bank CD Rates

Huntington Bank CDs offer a competitive promotiona🌳l rate, but you can likely find much better rates than its standard ones by shopping around.

Huntington Bank CDs: Key Features

Promotional Fixed Rate CD Key Features
APY Range	3.05%-3.82%
Minimum Balance	$1,000
Term Range	5–9 months
Early Withdrawal Penalty	6 months of interest

Huntington Bank’s promotional CD offers a much higher than average APY for CDs with terms of 9 months. To qualify fo💟r the higher rate, you must deposit at least $1,000. The pr♍omotional fixed-rate CD is only available if your balance is under $100,000.

If you must take an early withdrawal from the account, the penalty is six months of interest. And when the account reaches its maturity date, you have a 10-day grace period; after that, the account is automatically renewed.

Standard Fixed Rate CD Key Features
APY Range	0.50%
Minimum Balance	$1,000
Term Range	1-72 months
Early Withdrawal Penalty	Up to 12 months of interest

Unlike the promotional CD rate, the rate for standard fixed-rate CDs is significantly lower than the national average.

Terms ranᩚᩚᩚᩚᩚᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ𒀱ᩚᩚᩚ♓ge from 1 to 72 months, and the minimum deposit is $1,000. Early withdrawals are permitted, but penalties apply. The penalty depends on your term length, but ranges from the full term of the account to 12 months of interest.

Like the promotional CDs, the standard fixed-rate CDs have a maximum of $100,000, and 10-day grace periods.

Jumbo Promotional Fixed Rate CD Key Features
APY Range	3.05%–3.82%
Minimum Balance	$100,000
Term Range	152–270 days
Early Withdrawal Penalty	6 months of interest

Huntington Bank’s jumbo accounts are for CDs with $100,000 or more. The promotional CD rate is only available to balanඣces under $2 million; higher balances are subject to significantly lower rates.

For jumbo CDs, the promotional APY is only for CDs with terms of 425 days, and the early withdrawal pen🙈alty is six months of interest.

Unlike other CDs, accounts with balances of $100,000 or more are not automatically renewable.

Warning

With jumbo CDs, be aware that the FDIC only protects deposits up to $250,000. If your balance exceeds that amount, you may not be covered.

Jumbo Standard Fixed Rate CD Key Features
APY Range	0.50%
Minimum Balance	$100,000
Term Range	7–1,825 days
Early Withdrawal Penalty	12 months of interest

Jumbo standard CDs are for balances of $100,000 or more. Huntington Bank’s jumbo CDs are generally a short-term option, with terms ranging from 7 to 1,825 days. Rates on these CDs are much lower than the national average, and they are not automatically renewable.

Tip

Huntington Bank’s rates for standard jumbo CDs are quite low. Check out our picks for the 澳洲幸运5开奖号码历史查询:best jumbo CDs to find better rates.

Pros and Cons of Huntington Bank CDs

Pros

澳洲幸运5开奖号码历史查询:Competitive promotional rates
澳洲幸运5开奖号码历史查询:Various terms

Cons

澳洲幸运5开奖号码历史查询:Non-competitive standard rates
澳洲幸运5开奖号码历史查询:Limited term variety
澳洲幸运5开奖号码历史查询:Minimum balance requirement

Pros Explained

Competitive promotional rates: Huntington Bank CDs' promotional rates of up to 3.82% are more than what many CDs offer.
Various terms: You can find several different terms lengths, of up to 72 months. Many of its terms are set in days, and you can get a CD for as little as 7 days.

Cons Explained

Non-competitive standard rates: Most of Huntington Bank CDs have fairly low CD rates.
Limited term variety: Huntington Bank does offer several different CDs, but the longest CD term Huntington Bank offers is for 72 months, or six years. You can find longer terms by shopping around.
Minimum balance requirement: Like many CDs, Huntington Bank CDs have a minimum balance requirement, which is $1,000 for its standard CDs and $100,000 for jumbo CDs.

About Huntington Bank

Based in Ohio, Huntington Bank is a smaller, regional bank. It operates branches in 11 states: Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin.

It offers a comprehensive suite of banking products for individuals and businesses, including checking and savings accounts, mortgages, personal loans, and CDs.

Its promotional CDs have m💖uch higher than average rates. But while other banks may offer high rates with multiple terms, Huntington Bank is more limited. As oℱf publication, the promotional rate is only available with terms of 14 months for regular CDs, and terms of 425 days for jumbo CDs.

Not everyone is eligible for a Huntington💦 Bank CD. Although most banks today allow you to open a new account or CD online, Huntington Bank doesn’t. To open a CD, you must visit a local Huntington Bank branch, and the bank only operates in a few states. You can use the bank’s to see if there is a branch near you.

Alternatives to Huntington Bank CDs

Other high-interest CDs: Check the 澳洲幸运5开奖号码历史查询:best CD rates currently available before making a deposit.
High-yield savings account: If you want to protect your funds while also earning interest, you can also consider a 澳洲幸运5开奖号码历史查询:high-yield savings account.
Checking account: A checking account is another option for storing your cash, especially if you don’t want to be subject to withdrawal limits. Some 澳洲幸运5开奖号码历史查询:high-interest checking accounts can provide more returns on your cash than traditional checking accounts.
Money market account: 澳洲幸运5开奖号码历史查询:Money market accounts are similar to savings accounts, though they may also come with check-writing abilities and a debit card. You can often earn a good rate on your savings, but you might have to deal with monthly fees or minimum balance requirements.
I bonds: I bonds from the U.S. government are an investment option for protecting your savings from inflation. I bonds may or may not offer a higher rate than the best CDs. When you invest, you have to commit to leaving your money in the I bond for at least a year.

Frequently Asked Questions (FAQs)

How Much Money Do You Need to Open a Huntington Bank CD?

The minimum amount of money you need for Huntington Bank’s CDs, including its promotional or standard rates, is $1,000. The exceptions are Huntington Bank’s 澳洲幸运5开奖号码历史查询:jumbo CDs, which require $100,000.

Do You Need a Checking Account With Huntington Bank to Open a CD?

No, you don’t need to have an existing checking account with Huntington Bank to open a CD. However, if you do have a Huntington Bank checking account, your CD will count toward your total relationship balance, which can help you qualify for 澳洲幸运5开奖号码历史查询:monthly fee waivers on your checking ac𒐪cou♚nt.

Does Huntington Bank Have an Early Withdrawal Penalty for CD Accounts?

Yes, Huntington Bank does allow you to withdraw money ahead of the maturity date, and there are penalties. The penalty can be as high as 12 months of interest.

The benefit of CDs is that you can earn a much higher APY than you can usually find in a checking or 澳洲幸运5开奖号码历史查询:savings account. But that benefit comes with a tradeoff: CDs are designed to beꦰ untouched until their matu🎶rity date.

Does Huntington Bank Offer Special Rates for Current Members?

Huntington Bank doesn’t have special rates or promotions for existing members. However, new customers can qualify for special offers for opening 🐽a new personal checking accou⛦nt.

Your Guide to CDs

Article Sources

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