Bank · FDIC insured
FCN Bank Savings Rates
FCN Bank’s best savings rate is 0.10% APY on $10,000, with its Select Savings. Rates checked October 15, 2026.
How FCN Bank’s savings rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where FCN Bank has the most branches. $10,000, best rate first.
This bank’s best
FCN Bank
0.10%APY
- Minimum
- $25
- Earns on $10,000 a year
- $10
Select Savings
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
FCN Bank savings score
66
Savings score
Higher than 15% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.10%
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 FCN 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.
Select Money Market
0.05%APY
Service Charge: $10 (Waived with average monthly balance of $5,000 or more). Minimum Opening Deposit: $25. Debits: 6 free per month, $1 fee per debit after that. E-Statement: Free. Paper Statement Fee: $5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Service charge waived with average monthly balance of $5,000 or more. Tiered variable rates based on daily balances paid monthly. | 0.05% | $5 | Service charge waived with average monthly balance of $5,000 or more. Tiered variable rates based on daily balances paid monthly. |
| $25,000 – $100,000Service charge waived with average monthly balance of $5,000 or more. Tiered variable rates based on daily balances paid monthly. | 0.20% | — | Service charge waived with average monthly balance of $5,000 or more. Tiered variable rates based on daily balances paid monthly. |
| $100,000 – $250,000Service charge waived with average monthly balance of $5,000 or more. Tiered variable rates based on daily balances paid monthly. | 0.40% | — | Service charge waived with average monthly balance of $5,000 or more. Tiered variable rates based on daily balances paid monthly. |
| $250,000 and upService charge waived with average monthly balance of $5,000 or more. Tiered variable rates based on daily balances paid monthly. | 1.00% | — | Service charge waived with average monthly balance of $5,000 or more. Tiered variable rates based on daily balances paid monthly. |
Select Savings
0.10%APY
Quarterly service charge of $5 waived with average quarterly balance of $300 or more. 6 free debits per quarter, $1 fee per debit after that. Paper Statement Fee: $5, E-Statement: Free.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $15,000Quarterly service charge of $5 waived with average quarterly balance of $300 or more. Tiered variable rates based on daily balances paid monthly. | 0.10% | $10 | Quarterly service charge of $5 waived with average quarterly balance of $300 or more. Tiered variable rates based on daily balances paid monthly. |
| $15,000 – $50,000Quarterly service charge of $5 waived with average quarterly balance of $300 or more. Tiered variable rates based on daily balances paid monthly. | 0.15% | — | Quarterly service charge of $5 waived with average quarterly balance of $300 or more. Tiered variable rates based on daily balances paid monthly. |
| $50,000 and upQuarterly service charge of $5 waived with average quarterly balance of $300 or more. Tiered variable rates based on daily balances paid monthly. | 0.20% | — | Quarterly service charge of $5 waived with average quarterly balance of $300 or more. Tiered variable rates based on daily balances paid monthly. |
Sources (1)
- fcnbank.com/savings-accounts · captured Sep 18, 2026
Special-purpose accounts
Student Savings
0.10%APY
Primary account holder must be between 0-17. Must have adult on the account until child turns 18. Converts to Select Savings at age 18. 6 free debits per quarter, $1 fee per debit after that. Paper Statement Fee: $2, E-Statement: Free.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate, paid quarterly. $0 quarterly service charge.Any balance | 0.10% | $10 | Variable rate, paid quarterly. $0 quarterly service charge. |
Sources (1)
- fcnbank.com/savings-accounts · captured Sep 18, 2026
Health Savings Account (HSA)
0.05%APY
Must have coverage under an HSA-qualified high deductible health plan (HDHP), no other first-dollar medical coverage, not enrolled in Medicare, cannot be claimed as a dependent on someone else's tax return. Daily Service Charge (Required Balance Not Maintained): $5.00 monthly if balance under $250.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5.00 monthly service charge if balance of $250.00 is not maintained. Variable interest rate, compounded monthly.Any balance | 0.05% | $5 | $5.00 monthly service charge if balance of $250.00 is not maintained. Variable interest rate, compounded monthly. |
Sources (1)
- fcnbank.com/hsa-health-savings-accounts · captured Sep 18, 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.