Credit union · Privately insured
OHecu Savings Rates
OHecu’s best savings rate is 0.45% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How OHecu’s savings rates compare
Compared with banks and credit unions near Cleveland, OH, where OHecu has the most branches. $10,000, best rate first.
This credit union’s best
OHecu
0.45%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $45
Money Market Account
Top rate
Century Federal Credit Union
5.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $500
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
OHecu savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.45%
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 OHecu ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.45%APY
Limit of six (6) third-party withdrawals per month, three (3) of which can be in the form of a check. Free initial order of 60 checks.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Earns the respective tiered rate on the entire average balance in the account each day of the monthly dividend period. | 0.00% | — | Earns the respective tiered rate on the entire average balance in the account each day of the monthly dividend period. |
| $1,000 – $10,000Earns the respective tiered rate on the entire average balance in the account each day of the monthly dividend period. | 0.35% | — | Earns the respective tiered rate on the entire average balance in the account each day of the monthly dividend period. |
| $10,000 – $25,000Earns the respective tiered rate on the entire average balance in the account each day of the monthly dividend period. | 0.45% | $45 | Earns the respective tiered rate on the entire average balance in the account each day of the monthly dividend period. |
| $25,000 – $75,000Earns the respective tiered rate on the entire average balance in the account each day of the monthly dividend period. | 0.65% | — | Earns the respective tiered rate on the entire average balance in the account each day of the monthly dividend period. |
| $75,000 and upEarns the respective tiered rate on the entire average balance in the account each day of the monthly dividend period. | 0.75% | — | Earns the respective tiered rate on the entire average balance in the account each day of the monthly dividend period. |
Name Your Own Savings Account
0.04%APY
Custom named savings account. Falls under Special Savings schedule. Earns tiered rate on entire average balance in the account during monthly dividend period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tiered rate earned on entire average balance during monthly dividend period. | 0.01% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $1,000 – $5,000Tiered rate earned on entire average balance during monthly dividend period. | 0.02% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $5,000 – $10,000Tiered rate earned on entire average balance during monthly dividend period. | 0.03% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $10,000 – $25,000Tiered rate earned on entire average balance during monthly dividend period. | 0.04% | $4 | Tiered rate earned on entire average balance during monthly dividend period. |
| $25,000 and upTiered rate earned on entire average balance during monthly dividend period. | 0.05% | — | Tiered rate earned on entire average balance during monthly dividend period. |
Regular Share Savings
0.04%APY
Primary account that establishes and must be maintained throughout membership. Maintenance fee assessed unless meeting one of: Gold, Silver, Bronze or Student Package Member; payroll deduction or direct deposit >= $400; average daily balance >= $100 for statement period; or month end balance >= $100 on last day of statement period. Respective tiered rate earned on entire average balance during monthly dividend period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tiered rate earned on entire average balance during monthly dividend period. | 0.01% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $1,000 – $5,000Tiered rate earned on entire average balance during monthly dividend period. | 0.02% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $5,000 – $10,000Tiered rate earned on entire average balance during monthly dividend period. | 0.03% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $10,000 – $25,000Tiered rate earned on entire average balance during monthly dividend period. | 0.04% | $4 | Tiered rate earned on entire average balance during monthly dividend period. |
| $25,000 and upTiered rate earned on entire average balance during monthly dividend period. | 0.05% | — | Tiered rate earned on entire average balance during monthly dividend period. |
Summer Reserve Pay Account
0.04%APY
Designed for members in the education field or with seasonal employment. Earns tiered rate on entire average balance in the account during monthly dividend period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tiered rate earned on entire average balance during monthly dividend period. | 0.01% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $1,000 – $5,000Tiered rate earned on entire average balance during monthly dividend period. | 0.02% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $5,000 – $10,000Tiered rate earned on entire average balance during monthly dividend period. | 0.03% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $10,000 – $25,000Tiered rate earned on entire average balance during monthly dividend period. | 0.04% | $4 | Tiered rate earned on entire average balance during monthly dividend period. |
| $25,000 and upTiered rate earned on entire average balance during monthly dividend period. | 0.05% | — | Tiered rate earned on entire average balance during monthly dividend period. |
Special-purpose accounts
Holiday Savings
0.04%APY
Funds are automatically transferred to OHecu Regular Savings account during the first week of November. Earns tiered rate on entire average balance in the account during monthly dividend period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tiered rate earned on entire average balance during monthly dividend period. | 0.01% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $1,000 – $5,000Tiered rate earned on entire average balance during monthly dividend period. | 0.02% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $5,000 – $10,000Tiered rate earned on entire average balance during monthly dividend period. | 0.03% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $10,000 – $25,000Tiered rate earned on entire average balance during monthly dividend period. | 0.04% | $4 | Tiered rate earned on entire average balance during monthly dividend period. |
| $25,000 and upTiered rate earned on entire average balance during monthly dividend period. | 0.05% | — | Tiered rate earned on entire average balance during monthly dividend period. |
Vacation Savings
0.04%APY
Tiered savings account. Earns tiered rate on entire average balance in the account during monthly dividend period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tiered rate earned on entire average balance during monthly dividend period. | 0.01% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $1,000 – $5,000Tiered rate earned on entire average balance during monthly dividend period. | 0.02% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $5,000 – $10,000Tiered rate earned on entire average balance during monthly dividend period. | 0.03% | — | Tiered rate earned on entire average balance during monthly dividend period. |
| $10,000 – $25,000Tiered rate earned on entire average balance during monthly dividend period. | 0.04% | $4 | Tiered rate earned on entire average balance during monthly dividend period. |
| $25,000 and upTiered rate earned on entire average balance during monthly dividend period. | 0.05% | — | Tiered rate earned on entire average balance during monthly dividend period. |
I.R.A. Share Savings
0.04%APY
Variable rate, dividend-bearing account offering short-term savings for retirement. Contributions can be withdrawn at any time without penalty, subject to IRS rules and regulations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSubject to IRS Rules and Regulations.Any balance | 0.04% | $4 | Subject to IRS Rules and Regulations. |
Who can join OHecu
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of businesses partnered with OHecu through the Select Employer Group (SEG) program are eligible for membership.
Military, government and schools
- Employees and retirees of educational institutions in Ohio are eligible for membership.
- Individuals of organizations in Ohio that incorporate schools or educational programs in their general operations are eligible for membership.
- Students and alumni of educational institutions in Ohio are eligible for membership.
- Individuals in Ohio offering educational services or activities, such as tutors, are eligible for membership.
Family and household
- Relatives of existing members (including spouse, child, sibling, parent, grandparent, or grandchild) are eligible for membership.
Membership information collected October 5, 2026.