Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Cincinnati, OH-KY-IN metro
- Christian Family Credit UnionMoney Market AccountMoney Market Account · 0.05%–3.03% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Minimum balance required: $2,000. Certain restrictions apply.
Offer: Below $2,000 minimum
0.05% interest rate · Effective Oct 3, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,000 0.05% $2,000 – $4,999 1.00% $5,000 – $24,999Your amount 2.02% $25,000 and up 3.03% 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 · 11 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: Free account linked to Kasasa Cash or Kasasa Cash Back checking. Requires meeting monthly qualification cycle requirements (at least 12 debit card purchases post and settle, enroll in e-statements, log into online banking) to earn premium rates. Limit 1 account per SSN.
Offer: When qualifications are met in linked Kasasa Cash or Kasasa Cash Back account during monthly qualification cycle.
Qualified rate · 1.98% interest rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $100,000Your amount 2.00% $100,000 and upWhen qualifications are met in linked Kasasa Cash or Kasasa Cash Back account; 0.50%* Rate checked
More details - Pathways Financial Credit UnionMoney MarketMoney Market · $2,500 min · 1.90%–2.40% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Rates on variable rate accounts could change after account opening. Open account and earn dividends with initial deposit of $2,500.
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 1.90% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.10% $50,000 – $100,000 2.20% $100,000 – $250,000 2.30% $250,000 and up 2.40% Rate checked
More details - AllWealth Federal Credit UnionMoney Market AccountMoney Market Account · 0.00%–2.40% by balance
Credit union · 2 branches
2.00%APY$200 a year on $10,000Requirements
Product: All dividends are compounded daily. APYs change at any time without notice. Fees could reduce earnings.
Offer: Applies to balances < $2,500.00.
Compounded daily · Effective Nov 3, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 2.00% $25,000 – $50,000 2.10% $50,000 – $100,000 2.25% $100,000 and up 2.40% 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 · 6 branches
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 - 1.95%APY$195 a year on $10,000
Requirements
Product: Money Market Special for Consumer accounts only. Open to anyone who lives, works, worships or goes to school in Central and Southwest Ohio. Dividends earned daily and paid monthly. No fees or early withdrawal penalties.
Offer: Money market dividends are earned daily and paid monthly. No fees or early withdrawal penalties.
1.93% interest rate · No monthly fee · Effective Nov 3, 2025
Rate checked
More details - General Electric Credit UnionThrive Money MarketThrive Money Market · $5,000 min
Credit union · 13 branches
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 - L&N Federal Credit UnionRegular Money MarketRegular Money Market · $0 min · 1.75%–3.25% by balance
Credit union · 2 branches
1.75%APY$175 a year on $10,000Requirements
Product: Regular Money Market has no minimum opening balance requirement. No monthly maintenance fees. Dividends are earned daily and posted monthly. Up to 6 withdrawals or transfers per month. Rates can change weekly.
Offer: Dividends are earned daily and posted monthly.
No monthly fee
Rate by balance
Rate by balance for Regular Money Market Balance APY Up to $5,000 1.75% $5,000 – $15,000Your amount 1.75% $15,000 – $25,000 1.75% $25,000 – $50,000 2.25% $50,000 – $100,000 2.75% $100,000 and up 3.25% 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 - Community Trust BankPreferred Index Money MarketPreferred Index Money Market · $2,500 min · 0.00%–3.48% by balance
Bank · 1 branch
1.69%APY$169 a year on $10,000Requirements
Product: Available in Kentucky, as well as market areas in Tennessee, West Virginia, and Ohio. Requires $2,500 minimum to open account and earn interest. $10 monthly maintenance fee waived with $2,500 daily ledger balance. Rates tied to the 13-Week Treasury Bill Coupon Equivalent Rate minus specified margin by tier.
Offer: Tier 1 balance tier. $10 monthly maintenance fee waived with $2,500 daily ledger balance. $2,500 minimum required to open account and earn interest.
0.00% interest rate · $10 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Preferred Index Money Market Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amountTier 2 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 2.50% margin. 1.69% $25,000 – $50,000Tier 3 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.50% margin. 2.71% $50,000 – $100,000Tier 4 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.25% margin. 2.97% $100,000 – $250,000Tier 5 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.00% margin. 3.23% $250,000 and upTier 6 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 0.75% margin. 3.48% 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-KY-IN metro
171 accounts at 64 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.20%
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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