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 31–45 results in Cincinnati, OH-KY-IN metro
- Greater Cincinnati Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.66%–2.17% by balance
Credit union · 4 branches
1.66%APY$166 a year on $10,000Requirements
Product: Minimum Balance $300 to open. $2,500 Minimum Balance to Earn Dividends. Dividends Paid Monthly. Dividend rate is calculated on a daily basis; APY based on dividends accumulating to account.
Offer: Tier 1
1.65% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $24,999Your amount 1.66% $25,000 – $49,999Tier 2 1.76% $50,000 – $74,999Tier 3 2.02% $75,000 and upTier 4 2.17% Rate checked
More details - 1.58%APY$158 a year on $10,000with conditions
Requirements
Product: Must have an open Loyalty Rewards Checking or Loyalty Rewards + The Bundler Checking account that remains open throughout holding this account. Linked checking interest automatically transferred to savings.
Offer: Qualifying rate on daily balances of $100,000 or less when enrolled in eStatements via Online Banking and all three checking qualifiers are met (minimum 20 Debit MasterCard transactions post and settle, minimum $500 direct deposit or ACH debit/credit post and settle, combined total of $25,000 or more in personal deposit accounts/loan relationships).
Qualified rate · 1.57% interest rate · No monthly fee · Effective Jun 10, 2026
Rate by balance
Rate by balance for Loyalty Rewards Savings Balance APY Up to $100,000Your amount 1.58% $100,000 and up 0.07% Rate checked
More details - Central BankCentral Money Market AccountCentral Money Market Account · $2,500 min · 1.25%–2.75% by balance
Bank · 4 branches
1.50%APY$150 a year on $10,000Requirements
Product: Monthly maintenance fee is waived if a minimum daily balance of $2,500 is maintained; otherwise $10. Up to 6 withdrawals/transfers per monthly statement cycle without incurring excessive withdrawal fee ($10 per excessive transfer/withdrawal). Online opening deposit maximum is $10,000. Interest is compounded daily and credited monthly on collected balances. Rates are variable and tiered. Interest accrues on the entire collected balance at the rate for that balance tier.
1.24% interest rate · Compounded daily · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Central Money Market Account Balance APY Up to $10,000 1.25% $10,000 – $50,000Your amount 1.50% $50,000 – $100,000 1.75% $100,000 – $250,000 2.50% $250,000 and up 2.75% Rate checked
More details - Central BankPersonal Money Market PlusPersonal Money Market Plus · $0 min · 1.50%–3.50% by balance
Bank · 4 branches
1.50%APY$150 a year on $10,000Requirements
Product: Interest on Money Market accounts accrues on the entire collected balance at the rate for that balance tier. Variable rate may change after opening. Daily compounding of interest for 365 days.
1.49% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Personal Money Market Plus Balance APY Up to $500,000Your amount 1.50% $500,000 and up 3.50% Rate checked
More details - Sharefax Credit UnionMoney MarketMoney Market · $0 min · 0.00%–3.00% by balance
Credit union · 9 branches
1.50%APY$150 a year on $10,000Requirements
Product: Tiered rate account; dividends are paid monthly using the daily balance method. Once a particular balance range is met, the dividend rate for that balance range applies to the full balance on the account.
Offer: Tiered rate account; once a particular range is met, the dividend rate applies to the full balance.
Effective Mar 12, 2026
Rate by balance
Rate by balance for Money Market Balance APY Any balance 0.00% Up to $9,999 1.00% $10,000 and upYour amount 1.50% $25,000 and up 2.00% $50,000 and up 2.50% $100,000 and up 2.75% $250,000 and up 3.00% Rate checked
More details - AurGroup Financial CULoyalty Market AccountLoyalty Market Account · $10,000 min · 1.25%–1.75% by balance
Credit union · 4 branches
1.25%APY$125 a year on $10,000Rate by balance
Rate by balance for Loyalty Market Account Balance APY $10,000 – $50,000Your amount 1.25% $50,000 – $100,000 1.50% $100,000 and up 1.75% Rate checked
More details - 1.03%APY$103 a year on $10,000
Requirements
Product: Only available for new customers or deposits of new funds not currently held with F&M Bank. Limit 1 Direct Savings account per household. $3.00 monthly service charge waived if a $300.00 minimum balance is maintained each day during the month.
Offer: Schedule table rate for balance $0 - $99,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day.
1.02% interest rate · $3 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Direct Savings Balance APY Up to $100,000Your amount 1.03% $100,000 – $250,000 1.13% $250,000 – $500,000 1.34% $500,000 and up 1.46% Rate checked
More details - 1.01%APY$101 a year on $10,000with conditions
Requirements
Product: Must have an active Kasasa Cash, Kasasa Play, or Kasasa Cash Back checking account. Requires enrollment in online banking and electronic statements. Limit 1 account per social security number.
Offer: Earned on balances up to $10,000 when qualifying transactions/activities post and settle to linked Kasasa checking during Monthly Qualification Cycle: at least 12 debit card purchases and at least 1 direct deposit or ACH transaction.
Qualified rate · No monthly fee · Effective Sep 22, 2022
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: FDIC insured; Central NET online statements and Central MOBILE with mobile deposit included. Overdraft protection feature available. Maximum opening deposit for online accounts is $10,000. $2 monthly fee waived with a minimum daily balance of $200. $5 fee per excessive transfer/withdrawal over 6 per monthly statement cycle.
Offer: Variable interest, compounded daily and paid monthly on collected balances. The rate may change after the account is opened. Monthly maintenance fee of $2 waived if minimum daily balance of $200 is maintained.
1.00% interest rate · Compounded daily · $2 monthly fee
Rate checked
More details - Community Savings BankMoney Market Statement AccountMoney Market Statement Account · $5,000 min · 1.00%–3.00% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Avoid $2 monthly service charge fee if account balance is $1,000 or above. Compounding frequency is daily. Variable interest rate; subject to change.
Offer: Minimum balance to earn interest is $5,000. $2 monthly fee waived with $1,000 minimum balance.
1.00% interest rate · $2 monthly fee · Effective Feb 18, 2025
Rate by balance
Rate by balance for Money Market Statement Account Balance APY $5,000 – $49,999Your amount 1.00% $50,000 – $99,999 2.00% $100,000 and up 3.00% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must have a Miami Savings Bank checking account. Individual or joint accounts only (personal accounts only). Limit of 6 transactions per month. Interest rates are variable rates. Interest calculated on a continuous basis and paid quarterly.
Offer: Must have a Miami Savings Bank checking account. Individual or joint accounts only.
Qualified rate · 0.03% interest rate · Effective Jun 15, 2026
Rate by balance
Rate by balance for Triple Rate Savings Balance APY Up to $2,500 0.03% $2,500 – $100,000Your amount 1.00% $100,000 – $250,000 1.50% $250,000 and up 3.00% Rate checked
More details - AurGroup Financial CUAurMoney Market AccountAurMoney Market Account · $10,000 min · 1.00%–1.50% by balance
Credit union · 4 branches
1.00%APY$100 a year on $10,000Rate by balance
Rate by balance for AurMoney Market Account Balance APY $10,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.25% $100,000 and up 1.50% 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 - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 9 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - 0.97%APY$97 a year on $10,000
Requirements
Product: Only available for new customers or deposits of new funds not currently held with F&M Bank. Limit 1 Direct Savings account per household. $3.00 monthly service charge waived if a $300.00 minimum balance is maintained each day during the month.
Offer: Paid on entire balance for daily balance $99,999.99 or less. $3 monthly fee waived on balances of $300 or more.
0.97% interest rate · $3 monthly fee · Effective Jun 10, 2026
Rate by balance
Rate by balance for Direct Savings Balance APY Up to $100,000Your amount 0.97% $100,000 – $250,000 1.08% $250,000 – $500,000 1.29% $500,000 and up 1.41% 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