Compare Bank & Credit Union Rates
Best savings rates in Dayton, 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 Dayton, OH
- Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 1 branch
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 · 1 branch
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 - Firefighters & Company Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 1 branch
3.05%APY$305 a year on $10,0003.00% interest rate
Rate checked
More details - Day Air Credit UnionMoney MarketMoney Market · $2,500 min · 2.53%–2.63% by balance
Credit union · 1 branch
2.63%APY$263 a year on $10,000Requirements
Product: $2,500 minimum balance required to earn dividends. Up to 6 withdrawals per month.
2.50% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and up 2.53% $10,000 and upYour amount 2.63% Rate checked
More details - River Valley Credit UnionMoney MarketMoney Market · $25 min · 0.02%–2.65% by balance
Credit union · 1 branch
2.50%APY$250 a year on $10,000Requirements
Product: Membership eligibility is open to those who live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble, or Warren Counties. Dividends are compounded monthly.
Offer: Base tier. Dividends compounded monthly.
0.02% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,499 0.02% $2,500 – $9,999Tier 1. 2.40% $10,000 – $24,999Your amountTier 2. 2.50% $25,000 – $49,999Tier 3. 2.55% $50,000 – $249,999Tier 4. 2.60% $250,000 and upTier 5. 2.65% Rate checked
More details - Wright-Patt Credit UnionMoney Market Savings AccountMoney Market Savings Account · $100 min
Credit union · 5 branches
2.50%APY$250 a year on $10,000Requirements
Product: Dividends are compounded and credited monthly. Variable rate account. No monthly service fees. Free checks available with a balance of $10,000 or more. NCUA insured up to $250,000.
No monthly fee
Rate checked
More details - Bridge Credit UnionMoney MarketMoney Market · $0 min · 0.10%–2.60% by balance
Credit union · 2 branches
2.10%APY$210 a year on $10,000Requirements
Offer: Requires membership in ConnectMORE Royal Rewards program to receive ConnectMORE APY
Rate by balance
Rate by balance for Money Market Balance APY Up to $999 0.10% $1,000 – $9,999 2.00% $10,000 – $19,999Your amount 2.10% $20,000 – $49,999 2.20% $50,000 – $99,999 2.30% $100,000 – $249,999 2.40% $250,000 and up 2.60% Rate checked
More details - Universal 1 Credit UnionMoney Market AccountsMoney Market Accounts · $2,000 min · 2.02%–2.53% by balance
Credit union · 3 branches
2.02%APY$202 a year on $10,000Requirements
Product: Must maintain membership requirement of 1 share ($5.00 par value) in a main Savings account. Tiered rate account where the rate for a met balance range applies to the full balance. Minimum daily balance of $2,000.00 required to avoid a service fee and earn the stated APY. Maximum 6 transfers/withdrawals per month.
Offer: Tier 1: $2,000.00 to $10,000.00
2.00% interest rate · Effective Mar 2, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,000 – $10,000Your amount 2.02% $10,000 – $25,000 2.12% $25,000 – $50,000 2.22% $50,000 – $100,000 2.32% $100,000 – $250,000 2.43% Over $250,000 2.53% Rate checked
More details - Bridge Credit UnionMoney MarketMoney Market · $0 min · 0.00%–2.50% by balance
Credit union · 2 branches
2.00%APY$200 a year on $10,000Requirements
Offer: Everyday APY
Rate by balance
Rate by balance for Money Market Balance APY Up to $999 0.00% $1,000 – $9,999 1.90% $10,000 – $19,999Your amount 2.00% $20,000 – $49,999 2.10% $50,000 – $99,999 2.20% $100,000 – $249,999 2.30% $250,000 and up 2.50% 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 - Treadwell Credit UnionGem City Money Market PlusGem City Money Market Plus · 0.50%–1.85% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Must bring funds over from another financial institution.
Effective Oct 6, 2026
Rate by balance
Rate by balance for Gem City Money Market Plus Balance APY Up to $20,000Your amount 0.50% $20,000 – $50,000 1.75% $50,000 – $100,000 1.85% $100,000 and up 1.85% Rate checked
More details - Treadwell Credit UnionMoney Market Share AccountMoney Market Share Account · 0.50%–1.85% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Share Account Balance APY Up to $20,000Your amount 0.50% $20,000 – $50,000 1.75% $50,000 – $100,000 1.85% $1,000,000 and up 1.85% Rate checked
More details - 0.25%APY$25 a year on $10,000
Rate checked
More details - 0.25%APY$25 a year on $10,000with conditions
Requirements
Product: To earn the higher rate on qualifying balances up to $1,000, must have an active checking account with a minimum of 4 qualifying transactions per dividend period, and at least 1 direct deposit within 45 days or enrollment in eStatements. A $5 minimum share deposit/balance is required to open.
Offer: Non-qualifying balance tier.
Qualified rate · No monthly fee
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 Dayton, OH
44 accounts at 13 banks and credit unions · checked Oct 6–22
- Typical
- 0.06%
- Top 10% from
- 2.50%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.23%
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Dayton, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Firefighters & Company Federal Credit UnionCredit union · 2 branches
- Bridge Credit UnionCredit union · 4 branches
- River Valley Credit UnionCredit union · 5 branches