Best Banks & Credit Unions in Cincinnati, Ohio

Banks and credit unions serving Cincinnati, Ohio. Compare up to 0.25% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Cincinnati, Ohio. All rankings inherit from the Ohio state directory — every institution listed is licensed to serve Cincinnati residents and is either headquartered in Ohio or operates branches in the metro.

Top options in Cincinnati

• CFBank — 4.00% APY. 12 Month term CD: New accounts only with $10,000 new money deposit; minimum balance to open and obtain the APY is $10,000; all offers effective as of 4/20/26; the page prints no non-promotional CD table ("terms available ranging from 3 months to 60 months" with promotional rates on the home page). Read Sep 7, 2026 on cf.bank.
• Wright-Patt Credit Union — 3.75% APY. 12-month Share Certificate: Share Certificates - $500 Minimum table, 12-17 Month term; APYs accurate as of the last declaration date of August 14, 2026; a penalty may be imposed for early withdrawal. Read Sep 7, 2026 on wpcu.coop. Rates as of 2026-08-14 per the page.
• Navy Federal Credit Union — 3.70% APY. 12-month Standard Certificate: $1,000 minimum deposit ($1K tier); 'Rates as of Sep 07, 2026 ET' per the page. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
• Vinton County National Bank — 3.70% APY. 12 Month CD: The 12 Month term is marked "(min $2,500 to open)"; all other CDs require a $1,000 minimum balance; substantial penalty for early withdrawal. Read Sep 7, 2026 on vcnbfamily.bank. Rates as of 2026-07-01 per the page.
• Superior Credit Union — 3.60% APY. 12-month Regular Share Certificate: Minimum balance to open share certificate is $1,000.00; 90-day penalty for early withdrawal on terms of 3-12 months; deposit rates effective as of 1/30/2026. Read Sep 7, 2026 on superiorcu.com. Rates as of 2026-01-30 per the page.
• 3Rivers Federal Credit Union — 3.50% APY. 12 Month Certificate: $1,000 minimum balance to open; the 6 Month certificate pays the same 3.50%; the 11 Month Safety Certificate pays 3.00%. Read Sep 7, 2026 on 3riversfcu.org. Rates as of 2026-09-07 per the page.

Banks with more than one branch in Cincinnati

Each opens every one of that bank's offices in Cincinnati, with the address of each and what it holds.

• Fifth Third Bank, National Association in Cincinnati — 40 branches
• PNC Bank, National Association in Cincinnati — 25 branches
• U.S. Bank National Association in Cincinnati — 23 branches
• First Financial Bank in Cincinnati — 16 branches
• The Huntington National Bank in Cincinnati — 15 branches
• JPMorgan Chase Bank, National Association in Cincinnati — 13 branches
• Bank of America, National Association in Cincinnati — 12 branches

Other Ohio cities

• Banks in Columbus
• Banks in Cleveland
• Banks in Toledo
• Banks in Akron
• Banks in Dayton
• Banks in Parma
• Banks in Canton
• Banks in Youngstown

See the full Ohio banks directory for every institution we've verified in the state, plus the underlying methodology.