Saturday, November 22, 2003

Rate Report



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. 20 and is subject to change. Minimum deposits are $1,000, except where noted. Enquirer research by Shirley Dees.

6-month certificate of deposit

InstitutionYield
Greater Cincinnati C.U. ($500) 1.61%
Cottage Savings ($500)1.55%
Columbia Savings Bank ($500)1.55%
Peoples Community Bank1.50%
Spring Valley Bank 1.45%
Eagle Savings Bank1.40%
CenterBank ($500)1.30%
Winton S&L ($500)1.25%
Franklin Savings ($500)1.25%
Friendship State Bank ($500)1.20%
Cheviot Savings Bank ($500)1.20%
Oak Hill Banks ($2,500)1.15%
Union Savings Bank ($500)1.05%
Bank of Kentucky ($500)1.00%
Anderson Bank ($500)1.00%
Advantage Bank ($500).90%

1-year certificate of deposit

InstitutionYield
Greater Cincinnati C.U. ($500)2.01%
Peoples Community Bank2.00%
Columbia Savings Bank ($500)1.70%
Spring Valley Bank1.65%
CenterBank ($500)1.65%
Friendship State Bank ($500)1.53%
Cottage Savings ($500)1.50%
Eagle Savings Bank1.50%
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%
Winton S&L ($500)1.25%
Union Savings Bank ($500)1.15%
Advantage Bank ($500)1.00%

2-year certificate of deposit

InstitutionYield
Greater Cincinnati C.U. ($500)2.53%
Peoples Community Bank2.50%
Spring Valley Bank2.35%
CenterBank ($500)2.35%
Franklin Savings ($500)2.25%
Eagle Savings Bank2.10%
Cheviot Savings Bank ($500)2.05%
Friendship State Bank ($500)2.01%
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%
Winton S&L ($500)1.75%
Advantage Bank ($500)1.25%

5-year certificate of deposit

InstitutionYield
Greater Cincinnati C.U. ($500)4.06%
Advantage Bank ($500)4.00%
Peoples Community Bank4.00%
Columbia Savings Bank ($500)4.00%
Friendship State Bank ($500)3.82%
Franklin Savings ($500)3.50%
Eagle Savings Bank3.50%
Cheviot Savings Bank ($500)3.45%
CenterBank ($500)3.30%
Cottage Savings ($500)3.25%
Union Savings Bank ($500)3.25%
Oak Hill Banks ($500)3.25%
Bank of Kentucky ($500) 2.75%
Winton S&L ($500)2.50%



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