But you won’t move the needle on your balance very much with such low APYs. The advantage is that terms range anywhere between one and 72 months, making it easy to create a CD ladder based on your own schedule.
The downside is that you only get to lock in that rate for less than a year. The 11-month term comes with a 5.13% APY, which is among the best CD rates available today.
(Only 7 and 11-month options are available). Promotional Rates offer much higher APYs than standard rates, but the terms are on the shorter side and there are fewer options to choose from.
Huntington Bank offers the following rates/certificates of deposit:
