Bank · FDIC insured
Warsaw Federal Savings Rates
Top CarrotWarsaw Federal’s best savings rate is 3.04% APY on $10,000, with its Uplift Savings. Rates checked October 16, 2026.
How Warsaw Federal’s savings rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Warsaw Federal has the most branches. $10,000, best rate first.
This bank’s best
Warsaw Federal
3.04%APY
- Minimum
- $50
- Earns on $10,000 a year
- $304
Uplift Savings
Top rate
General Electric Credit Union
4.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $425
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
Warsaw Federal savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.04%
- $10,000 balance$10,0003.04%
- $100,000 balance$100,0003.14%
- QualifiedQualified3.04%
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 Warsaw Federal 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.
Thrive Money Market Account
0.35%APY
Interest is compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Interest is compounded and paid monthly. | 0.35% | $35 | Interest is compounded and paid monthly. |
| $50,000 – $100,000Interest is compounded and paid monthly. | 0.35% | — | Interest is compounded and paid monthly. |
| $100,000 – $250,000Interest is compounded and paid monthly. | 3.14% | — | Interest is compounded and paid monthly. |
| $250,000 – $500,000Interest is compounded and paid monthly. | 3.30% | — | Interest is compounded and paid monthly. |
| $500,000 and upInterest is compounded and paid monthly. | 3.56% | — | Interest is compounded and paid monthly. |
Sources (2)
All captured Oct 16, 2026
Uplift Savings
3.04%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.04% | $304 |
Sources (3)
- open.warsawfederal.bank/products
- warsawfederal.bank/bank/bank-rates
- warsawfederal.bank/bank/savings-accounts
All captured Oct 6, 2026
Select Money Market
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Balance under $25,000. $10 monthly fee waived if daily balance at least $10,000. | 0.05% | $5 | Balance under $25,000. $10 monthly fee waived if daily balance at least $10,000. |
| $25,000 – $100,000Balance $25,000 to $99,999. $10 monthly fee waived if daily balance at least $10,000. | 0.20% | — | Balance $25,000 to $99,999. $10 monthly fee waived if daily balance at least $10,000. |
| $100,000 and upBalance $100,000 or more. $10 monthly fee waived if daily balance at least $10,000. | 0.40% | — | Balance $100,000 or more. $10 monthly fee waived if daily balance at least $10,000. |
Sources (2)
All captured Oct 16, 2026
Statement Savings
0.05%APY
Monthly fee of $1 is waived if average daily balance is at least $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Monthly fee of $1 is waived if average daily balance is at least $100. | 0.05% | $5 | Monthly fee of $1 is waived if average daily balance is at least $100. |
| $25,000 – $49,999Monthly fee of $1 is waived if average daily balance is at least $100. | 0.10% | — | Monthly fee of $1 is waived if average daily balance is at least $100. |
| $50,000 – $99,999Monthly fee of $1 is waived if average daily balance is at least $100. | 0.15% | — | Monthly fee of $1 is waived if average daily balance is at least $100. |
| $100,000 and upMonthly fee of $1 is waived if average daily balance is at least $100. | 0.25% | — | Monthly fee of $1 is waived if average daily balance is at least $100. |
Sources (3)
- open.warsawfederal.bank/products
- warsawfederal.bank/bank/bank-rates
- warsawfederal.bank/bank/savings-accounts
All captured Oct 6, 2026
Special-purpose accounts
Health Savings Account
0.25%APY
Requires qualifying high-deductible health insurance coverage. $10 setup fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Requires qualifying high-deductible health insurance coverage. | 0.25% | $25 | Requires qualifying high-deductible health insurance coverage. |
| $25,000 – $49,999Requires qualifying high-deductible health insurance coverage. | 0.35% | — | Requires qualifying high-deductible health insurance coverage. |
| $50,000 and upRequires qualifying high-deductible health insurance coverage. | 0.50% | — | Requires qualifying high-deductible health insurance coverage. |
Sources (2)
All captured Oct 6, 2026
IRA Statement Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.05% | $5 |
| $25,000 – $49,999 | 0.10% | — |
| $50,000 – $99,999 | 0.15% | — |
| $100,000 and up | 0.25% | — |
Sources (1)
- warsawfederal.bank/bank/bank-rates · captured Oct 6, 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.