Bank · FDIC insured
Bath State Bank Savings Rates
Bath State Bank’s best savings rate is 0.50% APY on $10,000, with its Early Harvest Money Market. Rates checked October 15, 2026.
How Bath State Bank’s savings rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Bath State Bank has the most branches. $10,000, best rate first.
This bank’s best
Bath State Bank
0.50%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $50
Early Harvest Money Market
Top rate
General Electric Credit Union
4.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $425
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
Bath State Bank savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.16%
- QualifiedQualified0.50%
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.
Where Bath State 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.
Early Harvest Money Market
0.50%APY
Minimum deposit for Early Harvest accounts $5,000. If the balance changes within the month, the APY also changes to match the balance. All APYs are calculated using monthly compounding. Fees may reduce earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier: Up to $24,999.99 | 0.50% | $50 | Tier: Up to $24,999.99 |
| $25,000 – $50,000Tier: $25,000-$49,999.99 | 0.60% | — | Tier: $25,000-$49,999.99 |
| $50,000 – $100,000Tier: $50,000-$99,999.99 | 0.80% | — | Tier: $50,000-$99,999.99 |
| $100,000 – $150,000Tier: $100,000-$149,999.99 | 1.16% | — | Tier: $100,000-$149,999.99 |
| $150,000 and upTier: $150,000 and over | 1.52% | — | Tier: $150,000 and over |
Sources (1)
- bathstatebank.com/rates/interest-bearing-account-rates · captured Oct 5, 2026
Passbook Savings
0.10%APY
Must deposit $5 to open and maintain $5 minimum balance. Interest compounded and credited monthly. Daily balance method. Up to 6 transfers per 4-week/similar period by pre-authorized, automatic, telephone, check, draft, debit card or POS transactions; unlimited in-person, messenger, mail, or ATM transfers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upNo service charge for a minimum balance assessed. If minimum balance of $5 is not maintained, bank reserves right to close account or transfer funds.$5 and up | 0.10% | $10 | No service charge for a minimum balance assessed. If minimum balance of $5 is not maintained, bank reserves right to close account or transfer funds. |
Sources (3)
- bathstatebank.com/rates/interest-bearing-account-rates
- bathstatebank.com/personal-banking
- bathstatebank.com/personal/savings
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account
0.20%APY
Must be established in conjunction with a High Deductible Health Plan (HDHP). Operates with check or debit card access. Interest compounded and credited monthly using daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit required to open. No service charge for a minimum balance will be assessed.Any balance | 0.20% | $20 | No minimum deposit required to open. No service charge for a minimum balance will be assessed. |
Kids Club Savings
0.10%APY
Designed for children age 15 and younger. Minor requires adult listed on account with valid ID. Follows Passbook Savings regulations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upA deposit of $5 is required to open this account, and a $5 minimum balance is required to maintain the account. If minimum balance of $5 is not maintained, bank reserves right to close account or transfer funds.$5 and up | 0.10% | $10 | A deposit of $5 is required to open this account, and a $5 minimum balance is required to maintain the account. If minimum balance of $5 is not maintained, bank reserves right to close account or transfer funds. |
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.