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.19 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)	1.90%
CenterBank ($500)	1.90%
Union Savings Bank ($500)	1.85%
Eagle Savings Bank	1.85%
Cottage Savings ($500)	1.75%
Foundation Bank	1.75%
Franklin Savings ($500)	1.63%
Oak Hill Banks ($2,500)	1.60%
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%
Eagle Savings Bank	2.10%
Columbia Savings Bank ($500)	2.05%
Foundation Bank ($500)	2.01%
Cottage Savings ($500)	2.00%
Union Savings Bank ($500)	2.00%
Franklin Savings ($500)	1.88%
Oak Hill Banks ($500)	1.80%
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%
Eagle Savings Bank	2.60%
Foundation Bank ($500)	2.51%
Anderson Bank ($500)	2.50%
Oak Hill Banks (500)	2.40%
Columbia Savings Bank ($500)	2.40%
Franklin Savings ($500)	2.38%
Union Savings Bank ($500)	2.35%
Provident Bank	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
Eagle Savings Bank	4.10%
Provident Bank	4.00%
Peoples Community Bank	4.00%
CenterBank ($500)	3.90%
Oak Hill Banks ($500)	3.75%
Cottage Savings ($500)	3.75%
Foundation Bank ($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%
Franklin Savings ($500)	3.50%
Victory Community Bank ($500)	3.05%
PNC Bank	3.00%
Winton S&L ($500)	2.50%