5.50% 12-Month CD at an Ohio CU

Focus Federal Credit Union is advertising a 5.50% APY 12-month CD with a minimum deposit of $500 and a maximum deposit limit of $100K. This special is not listed at the credit union's website. The FW member stiltner heard it advertised on the local radio station and posted it on the FW CD thread.

The credit union eligibility page claims that anyone may join regardless of what state you live in. However, according to the small print, you are required to come in and complete and sign all necessary documents to open your account.

The credit union has two offices in Toledo, Ohio and is NCUA insured.

The best one-year certificate of deposit currently listed at Bankrate.com continues to be 5.10% APY at VirtualBank.