vs
Fifth Third vs Huntington CD Rates (November 2026)
On a 1-year CD, $10,000 earns $345.00 more at Fifth Third than at Huntington. The full term-by-term breakdown is below.
Updated Nov 7, 2026
The verdict: Fifth Third vs Huntington
Fifth Third pays the higher APY on 2 of the 2 terms both banks offer for a $10,000 deposit. Huntington leads on 0.
At the headline 1 year term, Fifth Third pays 3.70% APY against 0.25% at Huntington, a $345.00 difference on $10,000. Each bank's best offer right now: Fifth Third pays up to 3.70% (1 year) and Huntington up to 4.30% (13 months).
The rate is only half the decision. Fifth Third and Huntington charge different penalties if you break the CD early — compared below — and Both are federally insured up to $250,000 per depositor, so safety is equal under the limit.
Fifth Third vs Huntington CD rates by term
Best APY a $10,000 deposit can open at each bank, for every term either bank lists. A dash means the bank has no fundable offer at that term and deposit; we leave it blank rather than guess. "Rel." marks a relationship rate that needs a linked account.
| Term | Fifth Third | Huntington | Better pick |
|---|---|---|---|
| 1 month | – | 0.25% | – |
| 2 months | – | – | – |
| 3 months | – | 0.25% | – |
| 4 months | 3.50% | – | – |
| 6 months | – | 0.25% | – |
| 8 months | 3.60% | – | – |
| 9 months | – | 0.25% | – |
| 1 year | 3.70% | 0.25% | Fifth Third |
| 13 months | – | 4.30% | – |
| 18 months | – | 0.25% | – |
| 2 years | 3.36% | 0.25% | Fifth Third |
| 30 months | – | – | – |
| 3 years | – | 0.25% | – |
| 4 years | – | 0.25% | – |
| 5 years | – | 0.25% | – |
| 6 years | – | 0.25% | – |
Sources: Fifth Third CD rates (checked Nov 7, 2026) and Huntington CD rates (checked Nov 6, 2026).
What $10,000 earns at each bank
Interest over the full term at the rates above, on the 2 terms both banks offer.
| Term | Fifth Third earns | Huntington earns | Difference |
|---|---|---|---|
| 1 year | $370.00 at 3.70% | $25.00 at 0.25% | Fifth Third +$345.00 |
| 2 years | $683.29 at 3.36% | $50.06 at 0.25% | Fifth Third +$633.23 |
a 1-year CD earnings by deposit size
Balance tiers mean the APY can change with the deposit. This is what 1 year CDs pay at four deposit sizes.
| Deposit | Fifth Third earns | Huntington earns |
|---|---|---|
| $1,000 | – | $2.50 at 0.25% |
| $10,000 | $370.00 at 3.70% | $25.00 at 0.25% |
| $25,000 | $925.00 at 3.70% | $62.50 at 0.25% |
| $100,000 | $3,700.00 at 3.70% | $250.00 at 0.25% |
A dash means that deposit does not qualify for the bank's 1 year offer (minimum opening deposit or a product cap).
Early withdrawal penalties compared
| Term | Fifth Third | Huntington |
|---|---|---|
| 7 to 364 days | 1% of the amount withdrawn | – |
| 365 days to 36 months | 2% of the amount withdrawn | – |
| 36 months or longer | 3% of the amount withdrawn | – |
| Less than 12 months | – | 90 days of interest |
| 12 months or longer | – | 180 days of interest |
Example: break a 1-year $10,000 CD after 6 months and Fifth Third charges $183.32 (you keep $10,000.00) while Huntington charges $12.31 (you keep $10,000.18). Fifth Third caps the penalty at the interest earned. At Huntington the penalty can reach your principal.
Rules verified against each bank's disclosure (Fifth Third: checked 2026-11-06; Huntington: checked 2026-11-06). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.
More CD comparisons
Fifth Third vs Huntington CD FAQs
Quick answers comparing Fifth Third and Huntington CDs.
Which pays more, Fifth Third or Huntington?
How much more does $10,000 earn at Fifth Third over 1 year?
Fifth Third or Huntington: which is better for a 2-year CD?
Which has the lower early withdrawal penalty, Fifth Third or Huntington?
Are Fifth Third and Huntington CDs insured?
Are these the best CD rates available?
Sources and how we calculate
Rates come from each bank's own rate page (Fifth Third checked Nov 7, 2026, Huntington checked Nov 6, 2026); penalty rules are verified against the banks' disclosures. Earnings grow the deposit at the APY, the same math the bank pages and calculators on this site use. Results are estimates, not an offer from either bank.
- Fifth Third — CD rates
- Huntington — CD rates
- Fifth Third — early withdrawal disclosure
- Huntington — early withdrawal disclosure
- FDIC: National Rates and Rate Caps
Figures last checked on Nov 7, 2026. Read our calculation methodology for data sources and update schedule.