Bank · FDIC insured
Osgood Bank Savings Rates
Osgood Bank’s best savings rate is 0.03% APY on $10,000, with its Personal Money Market. Rates checked October 16, 2026.
How Osgood Bank’s savings rates compare
Compared with banks and credit unions near Sidney, OH, where Osgood Bank has the most branches. $10,000, best rate first.
This bank’s best
Osgood Bank
0.03%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $3
Personal Money Market
Top rate
Universal 1 Credit Union
2.02%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $202
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Osgood Bank savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.03%
- $100,000 balance$100,0001.51%
- QualifiedQualified0.03%
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 Osgood 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.
Personal Elevate Money Market
Up to 2.78%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100,000 – $250,000 | 1.51% | — |
| $250,000 – $500,000 | 1.76% | — |
| $500,000 – $1,000,000 | 2.02% | — |
| $1,000,000 – $2,000,000 | 2.53% | — |
| $2,000,000 and up | 2.78% | — |
Sources (1)
- osgoodbank.com/personal/savings · captured Sep 17, 2026
Personal Money Market
0.03%APY
Check-writing or debit card access. Tiered by account balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $50,000 | 0.03% | $3 |
| $50,000 – $500,000 | 0.05% | — |
| $500,000 – $1,000,000 | 0.10% | — |
| $1,000,000 and up | 0.20% | — |
Sources (1)
- osgoodbank.com/personal/savings · captured Sep 17, 2026
Personal Savings
0.03%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDaily balances of $10+$10 and up | 0.03% | $3 | Daily balances of $10+ |
Ohio Homebuyer Plus Savings Account
0.00%APY
Individually owned accounts only. Must be an Ohio resident at least 18 years old with primary residence in Ohio. Open for maximum of 5 years. Maximum contributions limit of $100,000. $500 minimum balance. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $100,000Variable rate. $500 minimum balance. Maximum contributions $100,000. Account can be open for maximum of 5 years. Exclusive interest rate / above-market rate for Ohio residents saving for primary residence down payment or closing costs.$500 – $100,000 | 0.00% | $0 | Variable rate. $500 minimum balance. Maximum contributions $100,000. Account can be open for maximum of 5 years. Exclusive interest rate / above-market rate for Ohio residents saving for primary residence down payment or closing costs. |
Sources (1)
- osgoodbank.com/homebuyer-plus-savings · captured Sep 17, 2026
Special-purpose accounts
Health Savings Account
1.51%APY
Must be enrolled in a qualifying High-Deductible Health Plan (HDHP), not covered by non-HDHP, not enrolled in Medicare, and cannot be claimed as a dependent. Variable rate account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $2,500Daily Balances of $1,000-$2,499.99 | 1.00% | — | Daily Balances of $1,000-$2,499.99 |
| $2,500 – $10,000Daily Balances of $2,500-$9,999.99 | 1.26% | — | Daily Balances of $2,500-$9,999.99 |
| $10,000 – $25,000Daily Balances of $10,000-$24,999.99 | 1.51% | $151 | Daily Balances of $10,000-$24,999.99 |
| $25,000 – $50,000Daily Balances of $25,000-$49,999.99 | 2.02% | — | Daily Balances of $25,000-$49,999.99 |
| $50,000 and upDaily Balances of $50,000 and up | 2.27% | — | Daily Balances of $50,000 and up |
Sources (3)
All captured Sep 17, 2026
Youth Savings
0.03%APY
Account is for young savers/children. Automatically converts to regular savings account when child turns 18. Eligible for Learn Well report card grade bonus up to $50 per school year ($2 per A, $1 per B).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDaily balances of $10+$10 and up | 0.03% | $3 | Daily balances of $10+ |
Sources (3)
All captured Sep 17, 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.