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 Dec. 19 and is subject to change. Minimum deposits are $1,000, except where noted. Enquirer research by Shirley Dees.

6-month certificate of deposit

Institution	Yield
Columbia Savings Bank ($500)	1.90%
CenterBank ($500)	1.90%
Spring Valley Bank	1.85%
Cottage Savings ($500)	1.75%
Foundation Bank	1.75%
Cheviot Building & Loan	1.64%
Oak Hill Banks ($2,500)	1.60%
Westwood Homestead ($500)	1.15%
Columbia Savings Bank, Ky. ($500)	1.15%
PNC Bank	1.00%

1-year certificate of deposit

Institution	Yield
CenterBank ($500)	2.20%
Spring Valley Bank	2.15%
Columbia Savings Bank ($500)	2.05%
Foundation Bank ($500)	2.01%
Cottage Savings ($500)	2.00%
Cheviot Building & Loan	1.95%
Oak Hill Banks ($500)	1.80%
Westwood Homestead ($500)	1.20%
Columbia Savings Bank, Ky. ($500)	1.20%
PNC Bank	1.10%

2-year certificate of deposit

Institution	Yield
Cottage Savings ($500)	2.75%
CenterBank ($500)	2.60%
Foundation Bank ($500)	2.51%
Cheviot Building & Loan	2.40%
Oak Hill Banks (500)	2.40%
Columbia Savings Bank ($500)	2.40%
Westwood Homestead ($500)	1.80%
Columbia Savings Bank, Ky. ($500)	1.80%
PNC Bank	1.75%

5-year certificate of deposit

Institution	Yield
CenterBank ($500)	3.90%
Oak Hill Banks ($500)	3.75%
Cottage Savings ($500)	3.75%
Foundation Bank ($500)	3.75%
Westwood Homestead ($500)	3.75%
Columbia Savings Bank ($500)	3.75%
Columbia Savings Bank, Ky. ($500)	3.75%
PNC Bank	3.00%