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) ... 2.55%
       Spring Valley Bank ... 2.50%
        CenterBank ($500) ... 2.30%
       Columbia Savings Bk. ($500) ... 2.30%
        Cincinnati Federal S&L ... 2.25%
        Columbia Savings, Ky. ... 2.00%
       Winton S&L ($500) ... 1.75%
       Lenox Savings Bank ($2500) ... 1.75%
        PNC Bank ... 1.30%
       
1-year certificate of deposit
       Institution ... Yield
       CenterBank ($500) ... 3.10%
        Spring Valley Bank ... 2.85%
       Cottage Savings ($500) ... 2.80%
        Cincinnati Federal S&L ... 2.75%
        Columbia Savings Bk. ($500) ... 2.50%
        Columbia Savings, Ky. ... 2.25%
       Lenox Savings Bank ($500) ... 2.15%
        Winton S&L ($500) ... 2.00%
        PNC Bank ... 1.75%

2-year certificate of deposit
       Institution ... Yield
        CenterBank ($500) ... 3.65%
       Cottage Savings ($500) ... 3.55%
        Cincinnati Federal S&L ... 3.55%
       Spring Valley Bank ... 3.45%
        Lenox Savings Bank ($500) ... 3.25%
       Columbia Savings, Ky. ... 3.25%
       Columbia Savings Bk. ... 3.10%
        PNC Bank ... 2.75%
        Winton S&L ($500) ... 2.25%
       
5-year certificate of deposit
       Institution ... Yield
        CenterBank ($500) ... 4.50%
       Lenox Savings Bank ($500) ... 4.50%
       PNC Bank ... 4.50%
       Columbia Savings Bk. ($500) ... 4.45%
       Cottage Savings ($500) ... 4.25%
       Cincinnati Federal S&L ... 4.25%
        Winton S&L ($500) ... 2.75%

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