HBANCommercial Bank
Latest Huntington National Bank Interest Rates - September 2026
The Huntington National Bank (HBAN)
1-Year CD: 3.25% Mortgage APR: 6.88% Prime Rate: 6.75%
Interest Rate Summary
Huntington National Bank Interest Rates & Loan Products Overview
Quick Summary: Official retail interest rates and loan solutions published by The Huntington National Bank (HBAN) across its core Midwest and regional branches:
Key Benchmark & Deposit Rates:
- Reference Prime Rate: Stands at 6.75%, indexing floating consumer loans, home equity lines of credit (HELOC), and variable credit card APRs.
- Savings & CDs: Standard Huntington Premier Savings yields a base 0.01% APY (with Relationship Savings rates earning up to 4.00% APY on qualifying deposits). Promotional fixed-rate Certificates of Deposit offer 3.66% APY (5-to-6-month terms), 3.25% APY (12-month terms), and 2.00% APY (36-month terms) with a $1,000 minimum deposit.
Consumer Loans & Retail Financing:
- Mortgage Loans: Standard 30-Year Fixed purchase loans start from 6.875% (approx. 6.957% APR), alongside 15-Year Fixed (6.250%) and ARM financing options with terms up to 30 years, zero prepayment penalties, and dedicated community lending programs.
- Auto Financing: Direct auto loan refinancing and purchase rates start as low as 5.37% APR for newer vehicles (2025–2027 model years) with terms up to 72 months (6 years) and borrowing amounts from $3,000 to $200,000.
- Personal Loans: Unsecured installment personal loans range from 8.72% to 25.00% APR for borrowing amounts up to $50,000 with flexible terms and no prepayment fees.
- Credit Cards: Consumer credit cards (e.g., the Huntington Voice Credit Card®) feature introductory 0% APR promotions on balance transfers for 12 billing cycles, followed by variable purchase APRs starting at 15.49% (with lower-rate non-rewards options starting from 13.49% to 25.49%) and a minimum 21-day grace period.
💡 Financial Tip: Rates and promotional CD yields vary based on regional market ZIP codes and existing banking relationship tiers. Confirm current localized numbers directly on Huntington.com prior to applying.
CD & Savings Interest Rates - HBAN
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 0.01% | 0.01% |
| 1 Month | - | 0% |
| 3 Months | - | 0% |
| 6 Months | 3.66% | 3.66% |
| 12 Months (Benchmark ⭐) | 3.25% | 3.25% |
| 24 Months | - | 0% |
| 36 Months | 2% | 2% |
Featured Loan Products - HBAN
Loan Guide & Terms →mortgageHBAN
6.88% /yr
- • Promo period: 12 months
- • Max loan term: 30 years
- • Max borrowing limit: 80% of value
- • Formula: SOFR + margin
auto loanHBAN
5.37% /yr
- • Max loan term: 6 years
- • Max borrowing limit: 80% of value
personal loanHBAN
8.72% /yr
- • Max loan term: 5 years
student loanHBAN
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for Huntington National Bank
Simulate monthly principal and interest payments at 6.88%/yr APR for HBAN with detailed amortization schedule and Excel export.
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