Bank · FDIC insured
First National Bank of Pandora Savings Rates
First National Bank of Pandora’s best savings rate is 0.25% APY on $10,000, with its Hi-Fi Money Market. Rates checked October 16, 2026.
How First National Bank of Pandora’s savings rates compare
Compared with banks and credit unions near Lima, OH, where First National Bank of Pandora has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Pandora
0.30%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $30
First Choice Rewards Savings
Top rate
Superior Credit Union
3.95%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $395
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
First National Bank of Pandora savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.30%
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 First National Bank of Pandora 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
5.50%APY
Specialized, tax-advantaged savings account available to Ohio homebuyers. Customer must agree to Participation Agreement prior to opening. Rates and tiers subject to change at bank discretion. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000 | 5.50% | $550 | |
| $25,000 – $100,000Blended APY range: 5.50% - 3.26%. | 3.26% | — | Blended APY range: 5.50% - 3.26%. |
Sources (1)
- e-fnb.com/rates · captured Oct 16, 2026
Hi-Fi Money Market
0.25%APY
Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. Can Write Up to 6 Checks Per Month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. | 0.25% | $25 | Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. |
| $50,000 – $100,000Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. | 0.50% | — | Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. |
| $100,000 – $250,000Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. | 0.80% | — | Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. |
| $250,000 – $500,000Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. | 1.06% | — | Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. |
| $500,000 – $1,000,000Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. | 1.26% | — | Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. |
| $1,000,000 and upMonthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. | 2.07% | — | Monthly Service Charge Waived with a $5,000.00 Minimum Average Daily Balance. |
First Choice Rewards Savings
Up to 0.30%APY
Rates apply when qualifications are met each monthly qualification cycle on First Choice Rewards Checking account; 0.01% APY applies to all balances if qualifications are not met. Limit of 6 withdrawals or transfers per monthly statement period ($10 charge per excess withdrawal/transfer).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Qualifying rate when First Choice Rewards Checking qualifications are met. | 0.30% | $30 | Qualifying rate when First Choice Rewards Checking qualifications are met. |
| Any balanceApplies to all balances if monthly qualification cycle requirements on First Choice Rewards Checking are not met. | 0.01% | $1 | Applies to all balances if monthly qualification cycle requirements on First Choice Rewards Checking are not met. |
| Over $25,000Qualifying rate (APY range 0.30% - 0.26%) when First Choice Rewards Checking qualifications are met. | 0.25% | — | Qualifying rate (APY range 0.30% - 0.26%) when First Choice Rewards Checking qualifications are met. |
Simply Savings
0.25%APY
$4.00 monthly service charge waived with a $200.00 minimum average daily balance. Policy limits account to 6 savings withdrawals or transfers per monthly statement period ($10 charge for each excess withdrawal/transfer).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly service charge of $4.00 is waived with a $200.00 minimum average daily balance.Any balance | 0.25% | $25 | Monthly service charge of $4.00 is waived with a $200.00 minimum average daily balance. |
Special-purpose accounts
Christmas Club
0.25%APY
Entire balance is credited to the customer in October.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Moola Moola Kids Club
0.25%APY
For ages newborn to 13. At account opening, First National Bank deposits up to $25.00 to match the opening deposit (minimum opening deposit $5.00). Limit 6 withdrawals/transfers per monthly statement period ($10 charge per excess withdrawal/transfer). Account automatically upgrades to Student Savings at age 14.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly service charge. First National Bank provides an account opening deposit match up to $25.00 (one match bonus per minor Tax ID Number per year).Any balance | 0.25% | $25 | No monthly service charge. First National Bank provides an account opening deposit match up to $25.00 (one match bonus per minor Tax ID Number per year). |
Sources (3)
All captured Oct 16, 2026
Student Savings
0.25%APY
For ages 14-24. Up to 5 ATM service charge refunds per statement cycle and 1 incoming wire fee refund per statement cycle. Limit 6 withdrawals/transfers per monthly statement period ($10 charge per excess withdrawal/transfer).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly service charge.Any balance | 0.25% | $25 | No monthly service charge. |
Sources (3)
All captured Oct 16, 2026
Vacation Club
0.25%APY
Balance is credited back in May and customers can make two additional withdrawals each calendar year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Health Savings Account
0.11%APY
Available to individuals enrolled in a high-deductible health plan (HDHP). To avoid a monthly service charge of $3.00, keep a $500.00 minimum average daily balance or have a monthly direct deposit into the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000$3.00 monthly service charge waived with $500.00 minimum average daily balance or monthly direct deposit. | 0.05% | — | $3.00 monthly service charge waived with $500.00 minimum average daily balance or monthly direct deposit. |
| $1,000 – $5,000$3.00 monthly service charge waived with $500.00 minimum average daily balance or monthly direct deposit. | 0.07% | — | $3.00 monthly service charge waived with $500.00 minimum average daily balance or monthly direct deposit. |
| $5,000 – $10,000$3.00 monthly service charge waived with $500.00 minimum average daily balance or monthly direct deposit. | 0.09% | — | $3.00 monthly service charge waived with $500.00 minimum average daily balance or monthly direct deposit. |
| $10,000 and up$3.00 monthly service charge waived with $500.00 minimum average daily balance or monthly direct deposit. | 0.11% | $11 | $3.00 monthly service charge waived with $500.00 minimum average daily balance or monthly direct deposit. |
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.