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 1–15 results in Sidney, OH metro
- Universal 1 Credit UnionMoney Market AccountsMoney Market Accounts · $2,000 min · 2.02%–2.53% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Must maintain membership requirement of 1 share ($5.00 par value) in a main Savings account. Tiered rate account where the rate for a met balance range applies to the full balance. Minimum daily balance of $2,000.00 required to avoid a service fee and earn the stated APY. Maximum 6 transfers/withdrawals per month.
Offer: Tier 1: $2,000.00 to $10,000.00
2.00% interest rate · Effective Mar 2, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,000 – $10,000Your amount 2.02% $10,000 – $25,000 2.12% $25,000 – $50,000 2.22% $50,000 – $100,000 2.32% $100,000 – $250,000 2.43% Over $250,000 2.53% 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 - 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 - 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 - 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 - 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 - Honda Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.60%–0.90% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: Tiered variable-rate savings account. Minimum deposit required to open and earn dividends is $2,500. If average daily balance for the month falls below $2,500, APY is 0.00%.
Offer: Minimum balance to earn stated APY is $2,500. If average daily balance falls below $2,500, APY is 0.00%.
0.60% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.60% $10,000 – $25,000Your amount 0.70% $25,000 – $50,000 0.80% $50,000 and up 0.90% 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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Members are allotted six withdrawals per month.
Offer: Monthly fee of $25 is waived if a minimum daily balance of $10,000 is maintained.
0.25% interest rate · $25 monthly fee
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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Variable rate compounded daily and paid monthly. Minimum balance to avoid fees: $0 for the first 9 months; $200 after 9 months. Monthly maintenance fee: $4 if balance falls below minimum.
Offer: $4 monthly maintenance fee waived if balance is maintained ($0 for the first 9 months; $200 after 9 months). Variable rate compounded daily and paid monthly.
0.25% interest rate · Compounded daily · $4 monthly fee · Effective Jun 26, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: $4 monthly maintenance fee if balance falls below minimum ($25 for under 18 years old, $200 for 18 or older). Variable interest rate compounded daily and paid monthly.
Offer: $4 monthly fee waived if minimum balance is maintained ($25 if under 18; $200 if 18 or older). Rate compounded daily and paid monthly.
0.25% interest rate · Compounded daily · $4 monthly fee · Effective Jun 26, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Includes Regular Savings & Secondary Savings for savings goals and emergencies. Interest compounded daily, paid monthly.
0.10% interest rate · Compounded daily · No monthly fee · Effective Oct 12, 2026
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 Sidney, OH metro
34 accounts at 10 banks and credit unions · checked Oct 6–22
- Typical
- 0.07%
- Top 10% from
- 1.42%
- Banks, typical
- 0.07%
- Credit unions, typical
- 0.18%
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Sidney, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Universal 1 Credit UnionCredit union · 1 branch