Regional Banks

Mid-size institutions (Regions, Huntington, Fifth Third, KeyBank). Often competitive CDs; savings rates lag online banks but beat big-four.

All Deposit Products at Regional Banks

Click a product to see the full rate range and suitability analysis at regional banks.

High-Yield Savings Account

4.50–5.10%

as of May 2026

FDIC

Money Market Account

4.20–5.00%

as of May 2026

FDIC

1-Year Certificate of Deposit

4.60–5.30%

as of May 2026

FDICNCUA

5-Year Certificate of Deposit

4.00–4.80%

as of May 2026

FDICNCUA

No-Penalty CD

4.30–4.90%

as of May 2026

FDICNCUA

Rewards Checking Account

3.00–6.00%

as of May 2026

FDIC

Cash-Back Checking Account

0%

as of May 2026

FDIC

IRA Certificate of Deposit

4.50–5.20%

as of May 2026

FDICNCUA

HSA Savings Account

0.50–3.00%

as of May 2026

FDIC

Kids Savings Account

2.00–4.50%

as of May 2026

FDICNCUA

Business Savings Account

4.00–5.00%

as of May 2026

FDIC

Brokerage Cash Sweep

0.01–4.50%

as of May 2026

About Regional Banks

Mid-size institutions (Regions, Huntington, Fifth Third, KeyBank). Often competitive CDs; savings rates lag online banks but beat big-four.

For deposit-rate purposes, the type of institution matters as much as the product type. Regional Banks have a distinct cost structure, competitive positioning, and regulatory history that shape the rates and features they offer across all deposit categories.

Compare this bank type against others: Big-Four Banks, Online-Only Banks, Credit Unions, Fintech Neobanks, Brokerage Banks