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 Dayton, OH metro
- 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 - 1.00%APY$100 a year on $10,000
Requirements
Product: Monroe Federal Savings & Loan will only accept deposits from counties contiguous to any county in which Monroe Federal operates.
Offer: Must maintain a balance of $1,000 to earn interest. No monthly service charge. Allows 6 transfers and/or 3rd party withdrawals per month.
1.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Super Passbook Savings Balance APY $1,000 – $100,000Your amount 1.00% $100,000 and up 2.50% 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 · 4 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 - The Old Fort Banking CompanyMarquee Money Market AccountMarquee Money Market Account · $10,000 min · 0.85%–2.37% by balance
Bank · 2 branches
0.85%APY$85 a year on $10,000Requirements
Product: Avoid the $10 monthly service fee by maintaining a $10,000 minimum daily balance. Interest is compounded and credited every month. A closed account fee of $25.00 will be assessed if the account is closed within 90 days from opening. Rates are subject to change.
Offer: Avoid the $10 monthly service fee by maintaining a $10,000 minimum daily balance.
0.85% interest rate · $10 monthly fee · Effective Oct 13, 2026
Rate by balance
Rate by balance for Marquee Money Market Account Balance APY $10,000 and upYour amount 0.85% $50,000 and up 1.71% $100,000 and up 2.37% $250,000 and up 2.37% Rate checked
More details - IH Credit UnionMoney Market Share Savings AccountMoney Market Share Savings Account · $1,000 min · 0.60%–2.79% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Minimum initial deposit of $1,000 required.
0.60% interest rate
Rate by balance
Rate by balance for Money Market Share Savings Account Balance APY Up to $25,000Your amount 0.60% $25,000 – $50,000 0.95% $50,000 – $150,000 1.10% $150,000 – $500,000 1.61% $500,000 and up 2.79% Rate checked
More details - 0.55%APY$55 a year on $10,000
0.40% interest rate · $8 monthly fee · Effective Jun 26, 2026
Rate by balance
Rate by balance for Investment Savings Balance APY $500 – $4,999 0.40% $5,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.55% $25,000 and up 1.05% Rate checked
More details - Treadwell Credit UnionGem City Money Market PlusGem City Money Market Plus · 0.50%–1.85% by balance
Credit union · 2 branches
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 · 2 branches
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 - Greenville National BankPremier Money Market (Personal)Premier Money Market (Personal) · $5,000 min · 0.30%–1.25% by balance
Bank · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Balances below the minimum earn no interest and are subject to a monthly fee of $12.00.
Offer: Tier 5 balance tier. Balances below minimum earn no interest and are subject to monthly fee.
0.30% interest rate · $12 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Premier Money Market (Personal) Balance APY $5,000 and upYour amount 0.30% $25,000 and upTier 4 balance tier. 0.50% $50,000 and upTier 3 balance tier. 0.75% $100,000 and upTier 2 balance tier. 1.00% $200,000 and upTier 1 balance tier. 1.25% 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 - 1st National BankMoney Market AccountMoney Market Account · $5 min · 0.05%–2.75% by balance
Bank · 1 branch
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 - Abbey Credit UnionConsumer Money MarketConsumer Money Market · $2,500 min · 0.05%–2.38% by balance
Credit union · 4 branches
0.25%APY$25 a year on $10,000Requirements
Product: A Share Savings account must be present to qualify for a Money Market Account. $2,500.00 minimum balance required or a fee may apply and interest rate is reduced to current Share Savings Rate. Dividends paid monthly and subject to change monthly. Maximum 6 withdrawals per month ($5.00 fee per withdrawal over 6); $500.00 minimum withdrawal ($5.00 fee for withdrawals under $500.00).
0.05% interest rate · Effective Sep 22, 2026
Rate by balance
Rate by balance for Consumer Money Market Balance APY Up to $2,500 0.05%* $2,500 – $25,000Your amount 0.25%* $25,000 – $50,000 2.02%* $50,000 – $250,000 2.28%* $250,000 and up 2.38%* Rate checked
More details - 0.25%APY$25 a year on $10,000with conditions
Requirements
Product: Designed to help build your nest egg by paying a higher interest rate on a lower balance. Requires an automatic transfer from your Fit Checking. Minimum to open $0.
Offer: Automatic transfer from Fit Checking required.
Qualified rate · 0.50% interest rate
Rate by balance
Rate by balance for Fit Savings Balance APY Up to $1,000 0.50% Over $1,000Your amountStated APY range on schedule is .50% - .25% APY* with 0.25% interest rate for $1000.01 or more. 0.25% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Can be used for overdraft protection of your checking account.
0.25% interest rate
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Dayton, OH metro
86 accounts at 29 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.06%
- Banks, typical
- 0.07%
- Credit unions, typical
- 0.20%
Is your bank paying you enough?
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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