Compare Bank & Credit Union Rates
Best savings rates in Cincinnati, OH
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Cincinnati, OH
- General Electric Credit UnionThrive Money MarketThrive Money Market · $0 min · 1.80%–4.25% by balance
Credit union · 1 branch
4.25%APY$425 a year on $10,000intro rateRequirements
Product: Introductory offer 4.25% APY for first 90 days with $5,000 new money balance, funded within 30 days. Standard tiers 1.80% APY on balances. Membership eligibility required.
Offer: Tier 1 rate on daily balance up to $99.99.
Promotional rate · 1.79% interest rate · No monthly fee · Effective Jan 9, 2026
Rate by balance
Rate by balance for Thrive Money Market Balance APY Up to $100 1.80% $100 – $5,000 1.80% $5,000 and upYour amountNew Thrive Money Market account; funded within 30 days; maintain $5,000 minimum; introductory period 90 days. 4.25% $25,000 – $250,000 1.80% $250,000 and up 1.80% Rate checked
More details - 3.95%APY$395 a year on $10,000
Requirements
Product: Minimum balance to open $100.00. Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week.
Offer: Term account allowing continuous deposits. APY based on CD rate schedule.
3.89% interest rate · Effective Oct 1, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 2 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 2 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - 3.04%APY$304 a year on $10,000
3.00% interest rate · No monthly fee · Effective Oct 6, 2026
Rate checked
More details - Superior Credit UnionMoneyMax Money Market AccountsMoneyMax Money Market Accounts · $2,500 min · 0.00%–2.75% by balance
Credit union · 2 branches
2.25%APY$225 a year on $10,000Requirements
Product: Minimum balance to open MoneyMax account is $2,500.00. Dividends compounded and credited monthly. Balance method based on average daily balance.
0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for MoneyMax Money Market Accounts Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 2.25% $25,000 – $100,000 2.50% $100,000 and up 2.75% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Summit High Yield or Cash Back Checking required to have a SaverPlus. Limit one SaverPlus per social security number. No monthly maintenance fee.
Offer: Qualifying rate: met qualifications in Summit High Yield or Cash Back Checking during monthly qualification cycle (at least 12 debit card transactions, enrolled in and review eStatements, enrolled in and log into online banking).
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 1, 2025
Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
1.98% interest rate
Rate by balance
Rate by balance for Super Share Balance APY Up to $50,000Your amount 2.00% $50,000 – $99,999 2.25% $100,000 – $499,999 2.50% $500,000 – $999,999 2.75% $1,000,000 and up 3.00% Rate checked
More details - Kemba Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 2.00%–3.00% by balance
Credit union · 3 branches
2.00%APY$200 a year on $10,000Requirements
Product: No minimum deposit to open. No monthly service fee. 6 free transactions per month. Dividends calculated by the daily balance method.
1.98% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $24,999Your amount 2.00% $25,000 – $74,999 2.25% $75,000 – $149,999 2.50% $150,000 – $249,999 2.75% $250,000 and up 3.00% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - COPFCUCOPFCU Money Market AccountCOPFCU Money Market Account · $2,000 min · 1.90%–2.10% by balance
Credit union · 1 branch
1.95%APY$195 a year on $10,000Requirements
Product: Minimum balance to open is $2,000. Tiered interest rates based on balance.
1.88% interest rate · Effective Nov 1, 2025
Rate by balance
Rate by balance for COPFCU Money Market Account Balance APY $2,000 – $10,000 1.90% $10,000 – $25,000Your amount 1.95% $25,000 – $50,000 2.00% $50,000 – $100,000 2.05% $100,000 and up 2.10% Rate checked
More details - General Electric Credit UnionThrive Money MarketThrive Money Market · $5,000 min
Credit union · 1 branch
1.80%APY$180 a year on $10,000intro rateRequirements
Product: Introductory offer 4.25% APY for first 90 days with $5,000 new money balance, funded within 30 days. Standard tiers 1.80% APY on balances. Membership eligibility required.
Offer: Tier 3 rate on daily balance $5,000.00 to $24,999.99.
Promotional rate · 1.79% interest rate · Balance cap $24,999.99 · No monthly fee · Effective Jan 9, 2026
Rate checked
More details - Cincinnati HealthCare Associates Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.25%–2.00% by balance
Credit union · 1 branch
1.75%APY$175 a year on $10,000Requirements
Product: Dividend rate and APY* by balance tier on the Savings rates table. Source labels APY = Annual Percentage Rate. Rates effective 1-2026.
Offer: Stated tier Money Market Account $2,500.00 - $9,99.99; upper bound printed malformed so not converted to a number.
1.24% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 1.25% $10,000 – $50,000Your amount 1.75% $50,000 and up 2.00% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Links to Kasasa Cash or Kasasa Cash Back checking. Qualification requires at least 12 debit card purchases, agreeing to receive eStatements, and logging into online banking during each Monthly Qualification Cycle.
Offer: When qualifications in Kasasa Cash or Kasasa Cash Back are met.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 1.00% $50,000 and up 0.67% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Cincinnati, OH
60 accounts at 20 banks and credit unions · checked Oct 6–22
- Typical
- 0.06%
- Top 10% from
- 2.03%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.15%
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Cincinnati, OH-KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Superior Credit UnionCredit union · 5 branches
- CommunityAmerica Credit UnionCredit union · 1 branch
- Central BankBank · 4 branches