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 Urbana, OH metro
- Wright-Patt Credit UnionMoney Market Savings AccountMoney Market Savings Account · $100 min
Credit union · 1 branch
2.50%APY$250 a year on $10,000Requirements
Product: Dividends are compounded and credited monthly. Variable rate account. No monthly service fees. Free checks available with a balance of $10,000 or more. NCUA insured up to $250,000.
No monthly fee
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 - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
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 - 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 - THE PEOPLES SAVINGS BANKMoney Fund SavingsSavings · $2,500 min · 0.20%–0.85% by balance
Bank · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Interest is compounded daily and paid monthly at a rate higher than our regular account. If balance falls below $2,500, the interest rate reverts to our regular Statement Savings rate.
Offer: If the balance falls below $2,500.00, a $5.00/mth service fee will be assessed. If balance falls below $2,500, the interest rate reverts to our regular Statement Savings rate.
0.20% interest rate · Compounded daily · $5 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Fund Savings Balance APY $100 – $2,500 0.20% $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $100,000 0.85% $100,000 and up 0.85% 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 - 0.30%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
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 - 0.20%APY$20 a year on $10,000
Requirements
Product: Compounded daily and paid monthly. If the balance falls below the minimum of $100, a $3/month service charge will be assessed.
Offer: Interest is paid from balance of $100.00 to the date of withdrawal. Monthly fee of $3 if balance falls below $100.
0.20% interest rate · Compounded daily · $3 monthly fee · Effective Oct 2, 2026
Rate checked
More details - Civista BankMoney Market Investment Account (MMIA)Money Market Investment Account (MMIA) · $2,500 min · 0.12%–0.50% by balance
Bank · 1 branch
0.12%APY$12 a year on $10,000Requirements
Product: $12 monthly service charge waived with a minimum balance of $2,500.
0.12% interest rate · $12 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Investment Account (MMIA) Balance APY $2,500 – $50,000Your amount 0.12% $50,000 – $100,000 0.21% $100,000 and up 0.50% Rate checked
More details - 0.07%APY$7 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: Base rate paid on entire account balance when Loyalty Rewards Checking or Loyalty Rewards + The Bundler Checking qualifiers have not been met during the monthly statement cycle.
Qualified rate · 0.07% interest rate · No monthly fee · Effective Jun 10, 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 Urbana, OH metro
18 accounts at 6 banks and credit unions · checked Sep 17–Oct 16
- Typical
- 0.28%
- Top 10% from
- 1.20%
- Banks, typical
- 0.30%
- Credit unions, typical
- 0.25%
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Ohio
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 7 17 Credit UnionCredit union · 16 branches
- Homeland Credit UnionCredit union · 5 branches
- Chivaho Federal Credit UnionCredit union · 1 branch