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 61–75 results in Cincinnati, OH-KY-IN metro
- 1st National BankMoney Market AccountMoney Market Account · $5 min · 0.05%–2.75% by balance
Bank · 7 branches
0.25%APY$25 a year on $10,000Requirements
Product: $15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each. Minimum opening deposit $5.00. Interest compounded daily and credited quarterly (or compounded daily on all deposits per rate schedule).
Offer: $15 monthly maintenance fee waived with $2,500 minimum daily balance. Up to 6 withdrawals per statement cycle at no additional fee; additional withdrawals $2.00 each.
Compounded daily · $15 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $9,999 0.05% $10,000 – $24,999Your amount 0.25% $25,000 – $49,999 1.00% $50,000 – $99,999 2.50% $100,000 and up 2.75% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Open with $5 deposit. Dividends paid monthly. Membership in Delta Community Credit Union required.
Offer: Rates may vary after account is opened. $5.00 minimum deposit / minimum balance required.
0.25% interest rate · No monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Secondary savings account to keep funds separate from primary savings. No minimum deposit required. Earns the same dividend rate as Primary Savings.
Offer: Earns the same dividend rate as Primary Savings.
0.25% interest rate · No monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: The only requirement to open an account for a qualified member is a $5.00 deposit into a shares (savings) account.
Effective Jan 10, 2025
Rate checked
More details - Local 392 Federal Credit UnionShare (Savings) AccountsSavings · $500 min · 0.20%–0.35% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: To earn dividends, account balance must be greater than $500.00. Average daily balance method is used to calculate dividends.
0.20% interest rate
Rate by balance
Rate by balance for Share (Savings) Accounts Balance APY $500 – $9,999 0.20% $10,000 – $49,999Your amount 0.25% $50,000 and up 0.35% 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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - First Commonwealth BankRelationship Money MarketRelationship Money Market · $1,000 min · 0.20%–0.50% by balance
Bank · 7 branches
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: $3 monthly service charge waived by maintaining a minimum daily balance of $1,000. Account earns relationship interest rates when primary or joint owner also has a Hometown Checking Premium account. Check writing capabilities available.
Offer: Relationship Rates require primary or joint owner on Relationship Money Market to also be primary or joint owner on a Hometown Checking Premium account.
Qualified rate · 0.20% interest rate · $3 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Relationship Money Market Balance APY Up to $20,000Your amount 0.20% $20,000 – $50,000 0.30% $50,000 – $100,000 0.40% $100,000 – $250,000 0.50% $250,000 – $2,000,000 0.50% $2,000,000 and up 0.50% Rate checked
More details - 0.20%APY$20 a year on $10,000intro rate
Requirements
Product: Maintain a minimum balance of $5,000 in the MMA, or a $10.00 monthly service fee will apply. Transaction limitations apply. Fees may apply for early account closure on Money Market accounts.
Offer: Account balances below $25,000 earn standard Money Market rates. Balances between $4,999.99 and $0.00 earn 0.05% APY and are subject to a $10.00 monthly service fee for balances under $5,000.
Promotional rate · $10 monthly fee · Effective Oct 8, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.20% $25,000 and upMoney Market rate applies to new money deposits only. The promotional APY is guaranteed for 12 months from account opening; after the promotional period, the account will earn the then-current standard Money Market rate. Monthly service fee of $10.00 waived with minimum balance of $5,000. 3.75% Rate checked
More details - 0.20%APY$20 a year on $10,000
- Cincinnati HealthCare Associates Federal Credit UnionShare Savings AccountsSavings · $5 min
Credit union · 1 branch
0.20%APY$20 a year on $10,0000.20% interest rate
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Earns daily compounding interest. $5 monthly maintenance fee waived with a $500 minimum balance; no monthly maintenance fee for seniors or minors. Low minimum opening balance.
Offer: Tier for balances up to $9,999. $5 monthly maintenance fee waived with a $500 minimum balance; no monthly maintenance fee for seniors or minors.
0.05% interest rate · $5 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Simple Savings Balance APY Up to $9,999 0.05% $9,999 – $24,999Your amount 0.15% $24,999 and up 0.50% Rate checked
More details - The Farmers State BankPlatinum Harvest Money Market SavingsPlatinum Harvest Money Market Savings · $10,000 min
Bank · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Minimum to open/minimum balance – $10,000. Interest paid monthly. $10,000 minimum average daily balance to earn interest. $50 per month charge if the average daily balance falls below $10,000.
Offer: Requires $10,000 minimum average daily balance to earn interest. $50 per month charge if average daily balance falls below $10,000.
0.15% interest rate · $50 monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: A $2 monthly service charge fee applies if account balance falls below $100 in any month.
Offer: Minimum balance to earn interest is $100. Compounded daily. Monthly fee of $2 waived when balance is $100 or above.
0.15% interest rate · Compounded daily · $2 monthly fee · Effective Feb 18, 2025
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