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 31–45 results in Cincinnati, OH
- 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 9 branches
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Silver Tier Boost. Requires enrollment in Silver Tier based on Average Eligible Balance of $25,000 to $99,999.99.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.04% $100,000 – $250,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $250,000 – $500,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $500,000 – $1,000,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $1,000,000 and upStandard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Dividends earned based on balance maintained. Membership required.
Effective Oct 1, 2026
Rate checked
More details - Warsaw FederalSelect Money MarketSelect Money Market · $10,000 min · 0.05%–0.40% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Offer: Balance under $25,000. $10 monthly fee waived if daily balance at least $10,000.
0.05% interest rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Select Money Market Balance APY Up to $25,000Your amount 0.05% $25,000 – $100,000 0.20% $100,000 and up 0.40% Rate checked
More details - Superior Credit UnionShare/Savings AccountSavings · $5 min · 0.00%–0.05% by balance
Credit union · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: Requires purchase of a $5.00 par value share in the credit union. Dividends paid quarterly on balances of $300.00 or greater. Minimum balance to earn dividends waived for minors' accounts.
0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share/Savings Account Balance APY Up to $300 0.00% $300 and upYour amount 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Monthly fee of $1 is waived if average daily balance is at least $100.
Offer: Monthly fee of $1 is waived if average daily balance is at least $100.
0.05% interest rate · $1 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Statement Savings Balance APY Up to $24,999Your amount 0.05% $25,000 – $49,999 0.10% $50,000 – $99,999 0.15% $100,000 and up 0.25% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: $5 minimum balance required in Main Share Savings to open. No monthly service fee.
0.05% interest rate · No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Establishes membership with Cinfed Credit Union. $5 minimum deposit/balance requirement. No monthly service fees.
0.05% interest rate · No monthly fee
Rate checked
More details - 0.05%APY$5 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: Non-qualified base rate: if qualifications are not met in Summit High Yield or Cash Back Checking.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 1, 2025
Rate checked
More details - 0.05%APY$5 a year on $10,000
0.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Earns dividends on balances of $100 or more. Establishes membership with Kemba Credit Union.
Offer: Rate applies to balances of $100 or more.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: $100 minimum balance requirement; $6 monthly service charge if balance falls below minimum.
Offer: Minimum balance to obtain APY is Any. $6 monthly service charge if balance falls below $100.
0.05% interest rate · $6 monthly fee · Effective Dec 19, 2024
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Operates just like a Primary Savings Account. Can set an account nickname and be used to cover checking overdrafts.
Offer: All Primary Savings benefits apply. Minimum balance of $50 required to earn dividends.
0.05% interest rate · No monthly fee · Effective Aug 1, 2023
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Establishes membership with COPFCU. Minimum balance of $50 is required to earn dividends.
Offer: Earn competitive dividends on balances of $50 or more.
0.05% interest rate · No monthly fee · Effective Aug 1, 2023
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