The following is a sample of the highest rates available at Greater Cincinnati banks, and savings and loans. Information was provided by each institution as of Dec. 12 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
Victory Community Bank ($500)	2.53%
Peoples Community Bank	2.00%
Columbia Savings Bank ($500)	1.95%
CenterBank ($500)	1.90%
Spring Valley Bank	1.85%
Union Savings Bank ($500)	1.85%
Cottage Savings ($500)	1.75%
Foundation Bank	1.75%
Oak Hill Banks ($2,500)	1.75%
Cheviot B&L ($500)	1.64%
Franklin Savings ($500)	1.63%
Cincinnati Federal S&L	1.50%
Winton S&L ($500)	1.25%
Westwood Homestead ($500)	1.15%
Columbia Savings Bank, Ky. ($500)	1.15%
PNC Bank	1.00%
Anderson Bank ($500)	1.00%
Provident Bank	1.00%

1-year certificate of deposit

Institution	Yield
Victory Community Bank ($500)	2.28%
Peoples Community Bank	2.25%
CenterBank ($500)	2.20%
Spring Valley Bank	2.15%
Columbia Savings Bank ($500)	2.05%
Cheviot B&L ($500)	2.05%
Foundation Bank	2.01%
Cottage Savings ($500)	2.00%
Oak Hill Banks ($500)	2.00%
Union Savings Bank ($500)	2.00%
Franklin Savings ($500)	1.88%
Cincinnati Federal S&L	1.75%
Winton S&L ($500)	1.50%
Anderson Bank ($500)	1.50%
Provident Bank	1.50%
Westwood Homestead ($500)	1.20%
Columbia Savings Bank, Ky. ($500)	1.20%
PNC Bank	1.10%

2-year certificate of deposit

Institution	Yield
Victory Community Bank ($500)	3.05%
Cottage Savings ($500)	2.75%
Peoples Community Bank	2.75%
CenterBank ($500)	2.60%
Oak Hill Banks (500)	2.60%
Foundation Bank	2.51%
Cheviot B&L ($500)	2.50%
Anderson Bank ($500)	2.50%
Columbia Savings Bank ($500)	2.40%
Franklin Savings ($500)	2.38%
Union Savings Bank ($500)	2.35%
Provident Bank	2.25%
Cincinnati Federal S&L	2.25%
Winton S&L ($500)	2.00%
Westwood Homestead ($500)	1.80%
Columbia Savings Bank, Ky. ($500)	1.80%
PNC Bank	1.75%

5-year certificate of deposit

Institution	Yield
Provident Bank	4.00%
Peoples Community Bank	4.00%
CenterBank ($500)	3.90%
Oak Hill Banks ($500)	3.85%
Cottage Savings ($500)	3.75%
Foundation Bank	3.75%
Cheviot B&L ($500)	3.75%
Westwood Homestead ($500)	3.75%
Columbia Savings Bank ($500)	3.75%
Columbia Savings Bank, Ky. ($500)	3.75%
Union Savings Bank ($500)	3.75%
Cincinnati Federal S&L	3.75%
Franklin Savings ($500)	3.50%
Victory Community Bank ($500)	3.05%
PNC Bank	3.00%
Winton S&L ($500)	2.50%