1st National Bank Savings & Money Market Rates

How 1st National Bank’s savings rates compare

Compared with banks and credit unions near Cincinnati, OH-KY-IN, where 1st National Bank has the most branches. $10,000, best rate first.

This bank’s best
1st National Bank
0.25%APY
Minimum
$5
Earns on $10,000 a year
$25
Money Market Account
Top rate
General Electric Credit Union
4.25%APY
Minimum
$0
Earns on $10,000 a year
$425
General Electric Credit Union rates
2nd-highest rate
CFBank
4.25%APY
Minimum
—
Earns on $10,000 a year
$425
CFBank rates

Compare savings rates near you →

Savings score

Higher than 33% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.25%
$100,000 balance$100,0002.75%
QualifiedQualified0.25%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where 1st National Bank ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Ohio Homebuyer Plus Savings

5.65%APY on $10,000$500 to open

Must be an Ohio resident at least 18 years of age with primary residence located in Ohio. Account proceeds must only be used toward the down payment or closing costs of a home purchased in Ohio (new primary residence). Accounts must be used within 5 years, maintain a minimum balance of at least $500, and cannot exceed a maximum balance of $100,000. Maximum contribution limit is $100,000.00. Subject to approval by the State of Ohio. Split-rate tiered structure; advertised interest rates and APYs are paid only on the portion of daily balance residing within each specified tier. Variable rate account. Individuals are required to review the Ohio Homebuyer Plus participation statement prior to opening.

Part of the balance	Rate on that part
Up to $2,500	11.34%
$2,500 – $5,000	3.93%
$5,000 – $100,000	3.25%
Over $100,000	3.45%

On $10,000 the tiers blend to about 5.65% APY, earning $565 a year.

Sources (4)

All captured Oct 16, 2026

Money Market Account

0.25%APY$5 to open

$15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each. Minimum opening deposit $5.00. Interest compounded daily and credited quarterly (or compounded daily on all deposits per rate schedule).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $9,999$15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each.	0.05%	—	$15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each.
$10,000 – $24,999$15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each.	0.25%	$25	$15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each.
$25,000 – $49,999$15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each.	1.00%	—	$15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each.
$50,000 – $99,999$15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each.	2.50%	—	$15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each.
$100,000 and up$15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each.	2.75%	—	$15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each.

Sources (3)

All captured Oct 6, 2026

Special-purpose accounts

Simple Savings

0.15%APYAge limits$5 to open

Earns daily compounding interest. $5 monthly maintenance fee waived with a $500 minimum balance; no monthly maintenance fee for seniors or minors. Low minimum opening balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $9,999Tier for balances up to $9,999. $5 monthly maintenance fee waived with a $500 minimum balance; no monthly maintenance fee for seniors or minors.	0.05%	—	Tier for balances up to $9,999. $5 monthly maintenance fee waived with a $500 minimum balance; no monthly maintenance fee for seniors or minors.
$9,999 – $24,999Tier for balances over $9,999 up to $24,999. $5 monthly maintenance fee waived with a $500 minimum balance; no monthly maintenance fee for seniors or minors.	0.15%	$15	Tier for balances over $9,999 up to $24,999. $5 monthly maintenance fee waived with a $500 minimum balance; no monthly maintenance fee for seniors or minors.
$24,999 and upTier for balances over $24,999. $5 monthly maintenance fee waived with a $500 minimum balance; no monthly maintenance fee for seniors or minors.	0.50%	—	Tier for balances over $24,999. $5 monthly maintenance fee waived with a $500 minimum balance; no monthly maintenance fee for seniors or minors.

Sources (3)

All captured Oct 16, 2026

Opening an account

Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.

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