Bank · FDIC insured
Orrstown Bank Savings Rates
Orrstown Bank’s best savings rate is 0.30% APY on $10,000, with its Relationship Money Market Account. Rates checked October 16, 2026.
How Orrstown Bank’s savings rates compare
Compared with banks and credit unions near York, PA, where Orrstown Bank has the most branches. $10,000, best rate first.
This bank’s best
Orrstown Bank
0.30%APY
- Minimum
- —
- Earns on $10,000 a year
- $30
Relationship Money Market Account
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Univest
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
Orrstown Bank savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0001.26%
- 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 Orrstown 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.
Relationship Money Market Account
0.30%APY
Interest rate and APY are variable and subject to change without notice after account opening. Fees may apply and could reduce earnings. Minimum balance based on average daily balance. Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions. Monthly maintenance fee may be avoided by maintaining the minimum balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.01% | — |
| $2,500 – $15,000 | 0.30% | $30 |
| $15,000 – $35,000 | 0.35% | — |
| $35,000 – $65,000 | 0.50% | — |
| $65,000 – $100,000 | 0.50% | — |
| $100,000 – $200,000 | 1.26% | — |
| $200,000 – $300,000 | 1.26% | — |
| $300,000 – $500,000 | 1.56% | — |
| $500,000 – $1,000,000 | 1.56% | — |
| $1,000,000 and up | 1.71% | — |
Sources (1)
- orrstown.com/personal/rates · captured Oct 16, 2026
Personal Money Market Account
0.25%APY
Minimum account balance to earn APY is $50. Accounts below $2,500 earn 0.01% APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum account balance to earn APY is $50. Accounts below $2,500 earn 0.01% APY. | 0.01% | — | Minimum account balance to earn APY is $50. Accounts below $2,500 earn 0.01% APY. |
| $2,500 – $15,000 | 0.25% | $25 | |
| $15,000 – $35,000 | 0.30% | — | |
| $35,000 – $100,000 | 0.45% | — | |
| $100,000 – $300,000 | 1.21% | — | |
| $300,000 – $1,000,000 | 1.51% | — | |
| $1,000,000 and up | 1.66% | — |
Sources (1)
- orrstown.com/rates · captured Sep 17, 2026
Preferred Money Market Account
0.25%APY
Interest rate and APY are variable and subject to change without notice after account opening. Fees may apply and could reduce earnings. See fee schedule for details. Minimum balance based on average daily balance. Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions. Monthly maintenance fee may be avoided by maintaining the minimum balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.01% | — |
| $2,500 – $15,000 | 0.25% | $25 |
| $15,000 – $35,000 | 0.30% | — |
| $35,000 – $100,000 | 0.45% | — |
| $100,000 – $300,000 | 1.21% | — |
| $300,000 – $1,000,000 | 1.51% | — |
| $1,000,000 and up | 1.66% | — |
Sources (1)
- orrstown.com/personal/rates · captured Oct 16, 2026
Essential Savings
0.20%APY
Straightforward interest-bearing savings account for everyday needs, future goals, and unexpected expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upVariable interest rate. Maintain a $250 average statement balance to avoid the $5 monthly maintenance fee. Enrollment in e-Statements required to avoid a $2 monthly paper statement fee. No minimum balance requirement or statement fee when primary account owner is under age 18.$250 and up | 0.20% | $20 | Variable interest rate. Maintain a $250 average statement balance to avoid the $5 monthly maintenance fee. Enrollment in e-Statements required to avoid a $2 monthly paper statement fee. No minimum balance requirement or statement fee when primary account owner is under age 18. |
Momentum Savings
0.20%APY
Designed to build savings alongside Momentum Checking. Must maintain a Momentum Checking Account unless primary account owner is under age 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Variable interest rate. No monthly service fee for the first year; maintain a $100 average statement balance after the first year to avoid a monthly service fee. Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee. Must maintain a Momentum Checking account unless primary owner is under 18.Over $0 | 0.20% | $20 | Variable interest rate. No monthly service fee for the first year; maintain a $100 average statement balance after the first year to avoid a monthly service fee. Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee. Must maintain a Momentum Checking account unless primary owner is under 18. |
Special-purpose accounts
Health Savings Account
0.30%APY
Tax-advantaged savings account to save for qualified healthcare expenses. Must be covered by a high-deductible health insurance plan.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Variable interest rate. Maintain a $250 average statement balance (12 months from account opening to aggregate this balance) to avoid the $5 monthly maintenance fee. Enrollment in e-Statements required to avoid a $2 monthly paper statement fee. Must be covered by a high-deductible health insurance plan and transactions must be for qualified healthcare expenses. | 0.15% | — | Variable interest rate. Maintain a $250 average statement balance (12 months from account opening to aggregate this balance) to avoid the $5 monthly maintenance fee. Enrollment in e-Statements required to avoid a $2 monthly paper statement fee. Must be covered by a high-deductible health insurance plan and transactions must be for qualified healthcare expenses. |
| $2,500 – $10,000Variable interest rate. Maintain a $250 average statement balance (12 months from account opening to aggregate this balance) to avoid the $5 monthly maintenance fee. Enrollment in e-Statements required to avoid a $2 monthly paper statement fee. Must be covered by a high-deductible health insurance plan and transactions must be for qualified healthcare expenses. | 0.25% | — | Variable interest rate. Maintain a $250 average statement balance (12 months from account opening to aggregate this balance) to avoid the $5 monthly maintenance fee. Enrollment in e-Statements required to avoid a $2 monthly paper statement fee. Must be covered by a high-deductible health insurance plan and transactions must be for qualified healthcare expenses. |
| $10,000 and upVariable interest rate. Maintain a $250 average statement balance (12 months from account opening to aggregate this balance) to avoid the $5 monthly maintenance fee. Enrollment in e-Statements required to avoid a $2 monthly paper statement fee. Must be covered by a high-deductible health insurance plan and transactions must be for qualified healthcare expenses. | 0.30% | $30 | Variable interest rate. Maintain a $250 average statement balance (12 months from account opening to aggregate this balance) to avoid the $5 monthly maintenance fee. Enrollment in e-Statements required to avoid a $2 monthly paper statement fee. Must be covered by a high-deductible health insurance plan and transactions must be for qualified healthcare expenses. |
IRA Money Market
0.15%APY
Interest rate and APY are variable and subject to change without notice after account opening. Fees may apply and could reduce earnings. See fee schedule for details.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.15% | — |
| $2,500 – $10,000 | 0.15% | — |
| $10,000 and up | 0.15% | $15 |
Sources (1)
- orrstown.com/personal/rates · captured Oct 16, 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.