The following is a sampling of the highest rates available at Greater Cincinnati banks, and savings and loans. Information was provided by each institution and is subject to change. Minimum deposits are $1,000, except where noted. Enquirer research by Shirley Dees.

6-month certificate of deposit
       Institution ... Yield
       Cottage Savings ($500) ... 2.50%
       Spring Valley Bank ... 2.50%
       Towne Bank ($2,500) ... 2.43%
       Foundation Savings Bank ... 2.42%
       Union Savings Bank ($500) ... 2.40%
       Columbia Savings Bk. ($500) ... 2.30%
       CenterBank ($500) ... 2.30%
       Cheviot B&L ($500) ... 2.25%
       Cincinnati Federal S&L ... 2.25%
       Franklin Savings ($500) ... 2.13%
       Winton S&L ($500) ... 2.00%
       Columbia Savings, Ky ... 2.00%
       PNC Bank ... 1.80%
       Lenox Savings Bank ($2,500) ... 1.75%
       Westwd Homestead ($500) ... 1.60%
       Anderson Bank ($500) ... 1.50%
       Provident Bank ... 1.00%
       
1-year certificate of deposit
       Institution ... Yield
       CenterBank ($500) ... 3.05%
       Cottage Savings ($500) ... 3.00%
       Foundation Savings ($500) ... 2.92%
       Spring Valley Bank ... 2.85%
       Cheviot B&L ($500) ... 2.80%
       Union Savings Bank ($500) ... 2.75%
       Cincinnati Federal S&L ... 2.75%
       Towne Bank ($500) ... 2.73%
       Columbia Savings Bk. ($500) ... 2.55%
       Franklin Savings ($500) ... 2.50%
       Winton S&L ($500) ... 2.50%
       PNC Bank ... 2.50%
       Columbia Savings, Ky. ... 2.25%
       Lenox Savings Bank ($500) ... 2.15%
       Anderson Bank ($500) ... 2.00%
       Westwd Homestead ($500) ... 2.00%
       Provident Bank ... 2.00%

2-year certificate of deposit
       Institution ... Yield
       Union Savings Bank ($500) ... 4.00%
       Cottage Savings ($500) ... 3.75%
       Cincinnati Federal S&L ... 3.75%
       Columbia Savings, Ky. ... 3.75%
       Foundation Savings ($500) ... 3.60%
       PNC Bank ... 3.60%
       CenterBank ($500) ... 3.50%
       Cheviot B&L ($500) ... 3.50%
       Spring Valley Bank ... 3.45%
       Towne Bank ($500) ... 3.30%
       Franklin Savings ($500) ... 3.25%
       Lenox Savings Bank ($500) ... 3.25%
       Columbia Savings Bk. ... 3.20%
       Provident Bank ... 3.00%
       Winton S&L ($500) ... 2.75%
       Westwd Homestead ($500) ... 2.50%
       Anderson Bank ($500) ... 2.50%
       
5-year certificate of deposit
       Institution ... Yield
       Provident Bank ... 5.25%
       PNC Bank ... 5.02%
       Foundation Savings ($500) ... 5.01%
       Westwd Homestead ($500) ... 5.00%
       Cheviot B&L ($500) ... 5.00%
       Franklin Savings ($500) ... 4.88%
       Towne Bank ($500) ... 4.70%
       Columbia Savings Bk. ($500) ... 4.50%
       CenterBank ($500) ... 4.50%
       Lenox Savings Bank ($500) ... 4.50%
       Cottage Savings ($500) ... 4.25%
       Cincinnati Federal S&L ... 4.25%
       Union Savings Bank ($500) ... 4.00%
       Winton S&L ($500) ... 3.25%

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