Bank · FDIC insured
Guardian Savings Bank Savings Rates
A $1.4B bank headquartered in West Chester, OH, with 13 branches in 2 states.
How Guardian Savings Bank’s savings rates compare
Compared with banks and credit unions in Ohio, where Guardian Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Guardian Savings Bank
6.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $600
Ohio Homebuyer Plus Savings Account
Top rate
Century Federal Credit Union
5.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $500
2nd-highest rate
General Electric Credit Union
4.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $425
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Ohio Homebuyer Plus Savings Account
6.00%APY
Must be an Ohio resident at least 18 years old with primary residence in Ohio. Account proceeds must only be used toward down payment of a new primary residence purchase in Ohio within 5 years of opening. Subject to complete application and approval by the Ohio Treasurer's Office. Limit one account per Social Security number and must be individually owned. Variable rate account; rate may change after account opening. Must maintain minimum balance of at least $100 and cannot exceed $100,000 maximum balance limit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Balances of $100-$10,000 earn 6.00% APY. Must be used within 5 years. | 6.00% | $600 | Balances of $100-$10,000 earn 6.00% APY. Must be used within 5 years. |
| $10,000 – $100,000Balances of $10,000.01-$100,000.00 earn 4.00% APY. Must be used within 5 years. | 4.00% | — | Balances of $10,000.01-$100,000.00 earn 4.00% APY. Must be used within 5 years. |
Sources (1)
- guardiansavingsbank.com/person…o-homebuyer-plus-program · 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.