Bank · FDIC insured
Friendship State Bank Savings Rates
Friendship State Bank’s best savings rate is 0.10% APY on $10,000, with its Money Market Advantage Account. Rates checked October 15, 2026.
How Friendship State Bank’s savings rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Friendship State Bank has the most branches. $10,000, best rate first.
This bank’s best
Friendship State Bank
0.10%APY
- Minimum
- —
- Earns on $10,000 a year
- $10
Money Market Advantage Account
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
Friendship State Bank savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- 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 Friendship 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.
Money Market Advantage Account
0.10%APY
Rates are variable and subject to change at any time. Interest on money market accounts is compounded and credited quarterly on the quarterly statement cycle date. The range daily balance falls within determines the interest rate and APY paid on the entire account balance. If the account is closed before interest is credited, accrued interest will not be received.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Tier 1 balance tier. | 0.10% | $10 | Tier 1 balance tier. |
| $25,000 – $49,999Tier 2 balance tier. | 0.15% | — | Tier 2 balance tier. |
| $50,000 – $99,999Tier 3 balance tier. | 0.15% | — | Tier 3 balance tier. |
| $100,000 – $199,999Tier 4 balance tier. | 0.20% | — | Tier 4 balance tier. |
| $200,000 and upTier 5 balance tier ($200,000 - and up). | 0.35% | — | Tier 5 balance tier ($200,000 - and up). |
Sources (1)
- friendshipstatebank.com/rates · captured Sep 18, 2026
Passbook Savings
0.05%APY
Variable rate paid quarterly. $100 minimum balance required to earn interest. 9 free debits per quarter; $2.00 fee per debit over 9 per quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100.00 minimum balance required to earn interest. Paid quarterly.$100 and up | 0.05% | $5 | $100.00 minimum balance required to earn interest. Paid quarterly. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Kid$ave
0.25%APY
Ages 0-17. Custodial account requiring an adult (over 18) on the account who is exclusively authorized to withdraw funds until the child turns 18. Must visit a branch to open. Variable rate paid quarterly. 9 free debits per quarter; $2.00 fee per debit over 9 per quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Paid quarterly. Variable rate. For ages 0-17.Over $0 | 0.25% | $25 | Paid quarterly. Variable rate. For ages 0-17. |
Sources (2)
All captured Sep 18, 2026
Christmas Club
0.15%APY
Runs from November through following October. Variable rate paid quarterly. Funds may not be withdrawn before October. Account balance plus interest is mailed or automatically deposited to an account the last week of October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upPaid quarterly. Variable rate. Funds may not be withdrawn before October.$25 and up | 0.15% | $15 | Paid quarterly. Variable rate. Funds may not be withdrawn before October. |
Sources (2)
All 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.