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 Nov. 6 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
Greater Cincinnati C.U. ($500)	1.61%
Cottage Savings ($500)	1.55%
Columbia Savings Bank ($500)	1.50%
Peoples Community Bank	1.50%
Spring Valley Bank	1.45%
CenterBank ($500)	1.30%
Foundation Bank	1.25%
Franklin Savings ($500)	1.25%
Cheviot Savings Bank ($500)	1.20%
Oak Hill Banks ($2,500)	1.15%
Union Savings Bank ($500)	1.05%
Anderson Bank ($500)	1.00%
Bank of Kentucky ($500)	1.00%

1-year certificate of deposit

Institution	Yield
Greater Cincinnati C.U. ($500)	1.91%
Peoples Community Bank	1.75%
Spring Valley Bank	1.65%
Columbia Savings Bank ($500)	1.60%
CenterBank ($500)	1.55%
Cottage Savings ($500)	1.50%
Foundation Bank ($500)	1.41%
Cheviot Savings Bank ($500)	1.40%
Oak Hill Banks ($500)	1.40%
Franklin Savings ($500)	1.38%
Anderson Bank ($500)	1.25%
Bank of Kentucky ($500)	1.25%
Union Savings Bank ($500)	1.15%

2-year certificate of deposit

Institution	Yield
Greater Cincinnati C.U. ($500)	2.32%
Peoples Community Bank	2.25%
Franklin Savings ($500)	2.25%
CenterBank ($500)	2.15%
Cheviot Savings Bank ($500)	2.05%
Foundation Bank ($500)	2.00%
Cottage Savings ($500)	2.00%
Columbia Savings Bank ($500)	2.00%
Anderson Bank ($500)	2.00%
Oak Hill Banks ($500)	2.00%
Union Savings Bank ($500)	1.85%
Bank of Kentucky ($500)	1.75%

5-year certificate of deposit

Institution	Yield
Greater Cincinnati C.U. ($500)	3.80%
Peoples Community Bank	3.75%
Franklin Savings ($500)	3.50%
Cheviot Savings Bank ($500)	3.45%
CenterBank ($500)	3.30%
Cottage Savings ($500)	3.25%
Foundation Bank ($500)	3.25%
Union Savings Bank ($500)	3.25%
Oak Hill Banks ($500)	3.25%
Columbia Savings Bank ($500)	3.00%
Bank of Kentucky ($500)	2.75%