Huntington Bank Boosts 14-Month CD Rate To New Heights


Deal Summary: 14-month CD Special, 5.13% APY, $1k min/$99,999.99 max; 425-day Jumbo CD Special, 5.13% APY, $100k min/$2 million max; in-branch opening only.

Availability: Market area includes Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia, and Wisconsin.

It’s been about five years since Ohio-based Huntington Bank (Huntington) offered a competitive CD. That changed last week when Huntington began offering a near rate-leading 5.13% APY on its 14-month CD Special. The minimum opening deposit is $1k, with a balance cap of $99,999.99. Huntington also has a 425-day Jumbo CD Special earning 5.13% APY, with a $100k minimum/$2 million maximum deposit. (If you don’t feel like doing the math, 425 days is the equivalent of 14 months.)

As stated on the CD landing page,

We reserve the right to limit the number of accounts per customer above $2 million.

According to CSR, the Early Withdrawal Penalty (EWP) for the CD Specials is determined when a partial withdrawal or early closure is made: if a withdrawal/closure is made within the first eleven months, the EWP is 1% on the amount withdrawn. A withdrawal/closure made during months 12, 13, or 14 will incur an 2% EWP on the amount withdrawn.

Checking Bonus

I had hoped I could included a mention of Huntington’s last checking bonus, but for the last several months, the checking bonuses have been limited to business checking accounts. If you happen to be looking for a new business checking account, you could earn a bonus of $100, $400, or $1,000 now through May 7, 2023. Applying for a bonus can be done online or in-branch. Complete details are available on the Business Checking Account Promotions page.

Availability and Account Opening

Headquartered in Columbus, Ohio, Huntington Bank’s market area includes Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia, and Wisconsin.

The CD Special and Jumbo CD Special can only be opened by individuals: brokers, agents, public entities, and financial institutions are barred from opening these promotional CDs.

Opening a 14-month CD Special or 425-day Jumbo CD Special can only be done in-branch. As the 22nd largest bank in the country, Huntington Bank has 940 branches located in Illinois (105), Indiana (42), Kentucky (10), Michigan (324), Ohio (371), Pennsylvania (48), West Virginia (26), and Wisconsin (17).

Funding and Other Details

The following information is from a conversation with CSR. (Huntington does have an Account Disclosures page, but the CD Disclosure has been removed from the website.)

  • Funding – ACH, wire, check, or internal transfer.
  • Interest – Compounding and crediting can be monthly, quarterly, or annually, whatever you choose; interest can be withdrawn penalty-free.
  • Maturing Funds – Cashier’s check to address on file or internal transfer.
  • Beneficiaries – Unlimited, equal share, Social Security numbers are required.
  • Grace Period – 10 calendar days before automatic renewal.
  • Credit Check – ChexSystems.

Note: If you call Huntington to get more information (800.480.2265), don’t make the mistake I did with the phone tree. Do not choose “New Customer;” pick “Customer Service” instead. "New Customer" took me a CSR who told me that CDs were not within her scope of knowledge, which was a bit strange. She told me that the “CD people” would have the answers to my questions, but since I was not a current Huntington Bank customer, they wouldn’t speak with me. Thinking she misunderstood me, I explained I wanted to open a CD and needed to talk to someone familiar with CDs. She repeated that “they” would not speak with me and I had to go into a branch to talk to someone. LSS, I called a branch (which didn’t have many answers either) and was told to call the 800-number again, but go for the Customer Service option. Eureka!

Bank Overview

Huntington Bank has an overall health grade of "A" at, with a Texas Ratio of 3.33% (excellent) based on June 30, 2022 data. Huntington Bank has an excellent capitalization level (11.09%), the result of holding $178.09 billion in assets with $19.75 billion in equity. Please refer to our financial overview of Huntington Bank (FDIC Certificate # 6560) for more details.

Established in 1866 as The Huntington National Bank of Columbus, Huntington Bank has grown to become the fifth largest bank headquartered in Ohio, with deposits in excess of $148 billion. Starting in 1979, Huntington Bank began an expansion that included the acquisition of 55 banks in five states, the most recent being the 2021 acquisition of TCF National Bank (Sioux Fall, South Dakota).

How the 14-Month CD Special Compares

When compared to similar length-of-term CDs tracked by which are available within the market area and have minimum deposit requirements of $10k or less, two banks have a higher rate than currently offered on the Huntington Bank 14-month CD Special. The following table compares the 14-month CD Special to the two highest-rate CDs from other banks and the two highest-rate CDs from credit unions.

The above information and rates are accurate as of 4/4/2023.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: 1-year CD rates

  |     |   Comment #2
Any idea when this 14mo 5.15% CD offer expires? I have a different CD maturing in May and I already have a checking acct at Huntington.
  |     |   Comment #3
The rate was just increased last week, prior to that it was 4.60%APY. I requested a code with 2 email accounts and they both reference "Take these steps by June 7,2023 to earn great rates on your savings" but like with anything rates are variable, might just mean the 14 month cd product, but not sure.
  |     |   Comment #5
I just received a targeted offer from Huntington (after having taken advantage of one of the checking bonuses about 5 months ago) for a money market account at 5.12% APY, guaranteed for 12 months. Minimum balance is $25k. The offer does require a unique code, so I don't know if one could reach out to branches to see about access/availability, but it might be worth a call.

Here are some of the details.
Earn a Special Rate
Annual Percentage Yield†
Rate good for 12 months

When you open a Huntington Relationship Money Market Account, you can earn interest on your money. Learn more below†.

Open a new Relationship Money Market Account online or in a branch by May 22, 2023.

Meet your requirement of a minimum opening deposit of $25,000 or more with money not currently deposited at Huntington.

Your 5.12% APY† rate is guaranteed for 12 months!
Open online or bring this email with your coupon code to a branch.

† Annual percentage yield (APY) and interest rates accurate as of April 4, 2023. The introductory interest rate for the Huntington Relationship Money Market Account (HRMMA) is for balances between $25,000.00 to $2,000,000.99 and is guaranteed for the first 12 months. After that time the rate will become variable and is subject to change, currently 5.00% (5.12% APY). Balances $2,000,001.00 and above will earn 0.25% (0.25% APY.) Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable Annual Percentage Rate in effect for that tier. For instance, if your balance reaches $2,000,001.00 or more, your entire balance would currently earn 0.25% Annual Percentage Yield. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be “New Money” which is defined as money that is not currently on deposit in any Huntington account (except maturing CD’s).
  |     |   Comment #6
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