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 46–60 results in Cincinnati, OH-KY-IN metro
- 0.92%APY$92 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: Footnote prose rate for daily balance $99,999.99 or less. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day.
0.92% 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 0.92% $100,000 – $250,000 1.03% $250,000 – $500,000 1.24% $500,000 and up 1.36% Rate checked
More details - Hoosier Hills Credit UnionMoney MarketMoney Market · $0 min · 0.00%–2.17% by balance
Credit union · 2 branches
0.85%APY$85 a year on $10,000Requirements
Product: No minimum balance to open. Dividends are earned with a balance of $2,500 or higher. A $2.00 monthly service fee applies if average daily balance / month end balance falls below $1,000.
Offer: Dividends calculated and paid monthly. $2,500 minimum balance required to earn dividends. $2.00 monthly service fee applies if average daily balance / month end balance falls below $1,000.
0.00% interest rate · $2 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,499 0.00% $2,500 – $9,999 0.65% $10,000 – $24,999Your amount 0.85% $25,000 – $49,999 1.06% $50,000 – $99,999 1.51% $100,000 – $249,999 1.81% $250,000 and up 2.17% Rate checked
More details - Telhio Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.05%–1.21% by balance
Credit union · 3 branches
0.85%APY$85 a year on $10,000Requirements
Product: Also referred to as Insured Money Market Account. High-yield savings plan with no fees or early withdrawal penalties. Money market dividends are earned daily and paid monthly.
Offer: Dividends earned daily and paid monthly. No fees or early withdrawal penalties.
0.05% interest rate · No monthly fee · Effective Oct 7, 2022
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $5,000 0.05% $5,000 – $10,000 0.55% $10,000 – $25,000Your amount 0.85% $25,000 – $50,000 1.11% $50,000 – $100,000 1.16% $100,000 and up 1.21% Rate checked
More details - Heritage BankHeritage Money Market AccountsHeritage Money Market Accounts · $0 min · 0.55%–2.53% by balance
Bank · 19 branches
0.75%APY$75 a year on $10,000Requirements
Product: Interest rates are subject to change and tiered according to balance. Interest compounded daily and credited monthly.
0.55% interest rate · Compounded daily · Effective Sep 22, 2026
Rate by balance
Rate by balance for Heritage Money Market Accounts Balance APY Up to $10,000 0.55% $10,000 – $25,000Your amount 0.75% $25,000 – $100,000 1.01% $100,000 – $250,000 1.77% $250,000 – $500,000 2.02% $500,000 and up 2.53% Rate checked
More details - 0.60%APY$60 a year on $10,000
Requirements
Product: Up to 6 withdrawals or transfers per month with no penalty. Checks can be used at no additional charge.
Offer: Under $2,500. Money Market APY is paid on entire balance based on tier.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.05% $2,500 – $25,000Your amount 0.60% $25,000 – $50,000 0.80% $50,000 and up 1.00% Rate checked
More details - Bath State BankEarly Harvest Money MarketEarly Harvest Money Market · $5,000 min · 0.50%–1.52% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Minimum deposit for Early Harvest accounts $5,000. If the balance changes within the month, the APY also changes to match the balance. All APYs are calculated using monthly compounding. Fees may reduce earnings on the account.
Offer: Tier: Up to $24,999.99
Effective Oct 1, 2026
Rate by balance
Rate by balance for Early Harvest Money Market Balance APY Up to $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.80% $100,000 – $150,000 1.16% $150,000 and up 1.52% Rate checked
More details - St. James Parish Credit UnionShare SavingsSavings · $50 min · 0.25%–0.50% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Master savings account required to establish membership with the credit union. Share accounts compound and credit dividends quarterly. New funds deposit limited to $100,000 per member.
Offer: Dividends compound and credit quarterly. Tier 1 ($50-$9,999.99).
0.25% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $10,000 0.25% $10,000 and upYour amount 0.50% Rate checked
More details - Delta Community Credit UnionPersonal Money Market AccountPersonal Money Market Account · $1,000 min · 0.30%–2.15% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: $5.00 opening and minimum balance required. Minimum balance to earn dividends is $1,000.00. No monthly fee. Free ATM card. No early withdrawal penalty.
Offer: Minimum balance to earn dividends is $1,000.00. No monthly fees.
0.30% interest rate · No monthly fee
Rate by balance
Rate by balance for Personal Money Market Account Balance APY $1,000 – $10,000 0.30% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.40% $50,000 – $100,000 0.70% $100,000 – $250,000 0.85% $250,000 – $500,000 1.00% $500,000 – $1,000,000 1.35% $1,000,000 and up 2.15% Rate checked
More details - CommunityAmerica Credit UnionMoney MarketMoney Market · $1,000 min · 0.25%–0.60% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to obtain the applicable APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
0.25% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.25% $10,000 – $25,000Your amount 0.30% $25,000 – $50,000 0.35% $50,000 – $100,000 0.40% $100,000 – $150,000 0.45% $150,000 – $250,000 0.50% $250,000 – $500,000 0.55% $500,000 and up 0.60% Rate checked
More details - CommunityAmerica Credit UnionPremier Money MarketPremier Money Market · $1,000 min · 0.25%–3.45% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to obtain the applicable APY.
Offer: Subject to a $20 monthly fee if balance falls below $25,000 at any time.
0.25% interest rate · Compounded daily · $20 monthly fee
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $10,000 0.25% $10,000 – $25,000Your amount 0.30% $25,000 – $50,000 3.20% $50,000 – $100,000 3.25% $100,000 – $150,000 3.30% $150,000 – $250,000 3.35% $250,000 – $500,000 3.40% $500,000 and up 3.45% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: No minimum balance or opening deposit required. Dividends compounded and credited quarterly.
Offer: Non-tiered account with quarterly dividends.
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Offer: Required balance to open the account and earn the Annual Percentage Yield.
0.25% interest rate · Effective Oct 9, 2026
Rate checked
More details - CINCINNATI EMPLOYEESRegular Share SavingsSavings · $5 min · 0.05%–0.25% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Federally insured up to $250,000 by the NCUA. No monthly service fees. Dividends calculated daily and posted quarterly. Minimum initial membership deposit of $5.
Offer: Tier 1: Balance $5.00 - $999.99. Minimum initial membership deposit of $5.
0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Regular Share Savings Balance APY Up to $1,000 0.05% $1,000 – $5,000Rates subject to change monthly. 0.10% $5,000 and upYour amountRates subject to change monthly. 0.25% Rate checked
More details - CINCINNATI EMPLOYEESRegular Share SavingsSavings · $5 min · 0.05%–0.25% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Federally insured up to $250,000 by the NCUA. No monthly service fees. Dividends calculated daily and posted quarterly. Minimum initial membership deposit of $5.
Offer: Tier 1: Balance $5.00 - $999.99. Rates subject to change monthly.
0.05% interest rate · Effective Sep 22, 2026
Rate by balance
Rate by balance for Regular Share Savings Balance APY Up to $1,000 0.05% $1,000 – $5,000 0.10% $5,000 and upYour amount 0.25% 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