Bank · FDIC insured
Minster Bank Savings Rates
Minster Bank’s best savings rate is 0.55% APY on $10,000, with its Investment Savings. Rates checked October 16, 2026.
How Minster Bank’s savings rates compare
Compared with banks and credit unions near Wapakoneta, OH, where Minster Bank has the most branches. $10,000, best rate first.
This bank’s best
Minster Bank
0.55%APY
- Minimum
- $500
- Earns on $10,000 a year
- $55
Investment Savings
Top rate
Superior Credit Union
3.95%APY
- Minimum
- $100
- Earns on $10,000 a year
- $395
2nd-highest rate
3Rivers Federal Credit Union
1.00%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $100
Minster Bank savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0001.05%
- QualifiedQualified0.55%
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 Minster 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.
Investment Savings
0.55%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $4,999 | 0.40% | — |
| $5,000 – $9,999 | 0.50% | — |
| $10,000 – $24,999 | 0.55% | $55 |
| $25,000 and up | 1.05% | — |
Sources (1)
- minsterbank.com/rates · captured Sep 18, 2026
America Saves
0.25%APY
Variable rate compounded daily and paid monthly. Minimum balance to avoid fees: $0 for the first 9 months; $200 after 9 months. Monthly maintenance fee: $4 if balance falls below minimum.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$4 monthly maintenance fee waived if balance is maintained ($0 for the first 9 months; $200 after 9 months). Variable rate compounded daily and paid monthly.Any balance | 0.25% | $25 | $4 monthly maintenance fee waived if balance is maintained ($0 for the first 9 months; $200 after 9 months). Variable rate compounded daily and paid monthly. |
Special-purpose accounts
Money Market Advantage
0.55%APY
Includes Money Market Advantage IRA variant. Minimum balance of $10,000 required to avoid monthly fee. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $24,999Balance tier: $10,000-$24,999. Includes Money Market Advantage IRA variant. Rates are variable. | 0.55% | $55 | Balance tier: $10,000-$24,999. Includes Money Market Advantage IRA variant. Rates are variable. |
| $25,000 – $99,999Balance tier: $25,000-$99,999. Includes Money Market Advantage IRA variant. Rates are variable. | 1.20% | — | Balance tier: $25,000-$99,999. Includes Money Market Advantage IRA variant. Rates are variable. |
| $100,000 – $249,999Balance tier: $100,000-$249,999. Includes Money Market Advantage IRA variant. Rates are variable. | 2.00% | — | Balance tier: $100,000-$249,999. Includes Money Market Advantage IRA variant. Rates are variable. |
| $250,000 – $499,999Balance tier: $250,000-$499,999. Includes Money Market Advantage IRA variant. Rates are variable. | 2.50% | — | Balance tier: $250,000-$499,999. Includes Money Market Advantage IRA variant. Rates are variable. |
| $500,000 – $999,999Balance tier: $500,000-$999,999. Includes Money Market Advantage IRA variant. Rates are variable. | 2.75% | — | Balance tier: $500,000-$999,999. Includes Money Market Advantage IRA variant. Rates are variable. |
| $1,000,000 – $2,499,999Balance tier: $1,000,000-$2,499,999. Includes Money Market Advantage IRA variant. Rates are variable. | 2.85% | — | Balance tier: $1,000,000-$2,499,999. Includes Money Market Advantage IRA variant. Rates are variable. |
| $2,500,000 and upBalance tier: $2,500,000 and greater. Includes Money Market Advantage IRA variant. Rates are variable. | 3.00% | — | Balance tier: $2,500,000 and greater. Includes Money Market Advantage IRA variant. Rates are variable. |
Sources (1)
- minsterbank.com/rates · captured Sep 18, 2026
IRA Investment Savings
0.55%APY
Variable rate, compounded daily and paid monthly based on tiers. Distributions paid semiannually or annually if balance is under $10,000; paid monthly, quarterly, semiannually, or annually if balance is $10,000 or over. No required time frame. $5 per withdrawal if more than 3 per year.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $500 – $4,999Compounded daily and paid monthly. Distributions semiannually or annually if balance under $10,000. · $25 to open | 0.40% | $25 | — | Compounded daily and paid monthly. Distributions semiannually or annually if balance under $10,000. |
| $5,000 – $9,999Compounded daily and paid monthly. Distributions semiannually or annually if balance under $10,000. · $25 to open | 0.50% | $25 | — | Compounded daily and paid monthly. Distributions semiannually or annually if balance under $10,000. |
| $10,000 – $24,999Compounded daily and paid monthly. Distributions monthly, quarterly, semiannually, or annually if balance $10,000 or over. · $25 to open | 0.55% | $25 | $55 | Compounded daily and paid monthly. Distributions monthly, quarterly, semiannually, or annually if balance $10,000 or over. |
| $25,000 and upCompounded daily and paid monthly. Distributions monthly, quarterly, semiannually, or annually if balance $10,000 or over. · $25 to open | 1.05% | $25 | — | Compounded daily and paid monthly. Distributions monthly, quarterly, semiannually, or annually if balance $10,000 or over. |
| $500,000 and upOn balances $500,000+. · Unknown to open | 3.00% | Unknown | — | On balances $500,000+. |
Sources (3)
All captured Sep 18, 2026
Health Savings Account (HSA)
0.35%APY
Requires an eligible high-deductible health plan (HDHP). Variable interest rate, compounded daily and paid monthly based on tiers. $0 minimum opening balance, no monthly fees, no transaction limits.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Compounded daily and paid monthly. $0 minimum balance to avoid fees, no fees. | 0.25% | — | Compounded daily and paid monthly. $0 minimum balance to avoid fees, no fees. |
| $5,000 – $9,999Compounded daily and paid monthly. $0 minimum balance to avoid fees, no fees. | 0.30% | — | Compounded daily and paid monthly. $0 minimum balance to avoid fees, no fees. |
| $10,000 – $24,999Compounded daily and paid monthly. $0 minimum balance to avoid fees, no fees. | 0.35% | $35 | Compounded daily and paid monthly. $0 minimum balance to avoid fees, no fees. |
| $25,000 and upCompounded daily and paid monthly. $0 minimum balance to avoid fees, no fees. | 0.40% | — | Compounded daily and paid monthly. $0 minimum balance to avoid fees, no fees. |
Holiday Savings
0.25%APY
Variable rate compounded daily and paid annually; accrued interest is not paid if account is closed prior to payout. No withdrawals permitted prior to payout; balance automatically transferred to another Minster Bank account at maturity. $0 minimum balance to avoid fees, $0 monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate compounded daily and paid annually; accrued interest is not paid if account is closed prior to payout. $0 monthly maintenance fee.Any balance | 0.25% | $25 | Variable rate compounded daily and paid annually; accrued interest is not paid if account is closed prior to payout. $0 monthly maintenance fee. |
Regular Savings
0.25%APY
$4 monthly maintenance fee if balance falls below minimum ($25 for under 18 years old, $200 for 18 or older). Variable interest rate compounded daily and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$4 monthly fee waived if minimum balance is maintained ($25 if under 18; $200 if 18 or older). Rate compounded daily and paid monthly.Any balance | 0.25% | $25 | $4 monthly fee waived if minimum balance is maintained ($25 if under 18; $200 if 18 or older). Rate compounded daily and paid monthly. |
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.