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 Cincinnati, OH
- 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 - 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 - 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 - First Commonwealth BankRelationship Money MarketRelationship Money Market · $1,000 min · 0.20%–0.50% by balance
Bank · 2 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 - 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 - First Commonwealth BankRelationship Money MarketRelationship Money Market · $1,000 min · 0.10%–0.25% by balance
Bank · 2 branches
0.10%APY$10 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: Non-Relationship Rates apply on any day that account holder does not have a qualifying Hometown Checking Premium account.
Qualified rate · 0.10% 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 0.10% $20,000 – $50,000 0.15% $50,000 – $100,000 0.20% $100,000 – $250,000 0.25% $250,000 – $2,000,000 0.25% $2,000,000 and up 0.25% Rate checked
More details - First Commonwealth BankHometown Money MarketHometown Money Market · $1,000 min · 0.10%–0.25% by balance
Bank · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: $3 monthly service charge waived by maintaining a minimum daily balance of $1,000. Earn higher interest for higher balances with easy access to your money including checks.
0.10% interest rate · $3 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Hometown Money Market Balance APY Up to $20,000Your amount 0.10% $20,000 – $50,000 0.15% $50,000 – $100,000 0.20% $100,000 – $250,000 0.25% $250,000 – $2,000,000 0.25% $2,000,000 and up 0.25% Rate checked
More details - Forcht BankPerformance Money MarketPerformance Money Market · $2,500 min · 0.05%–0.15% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: $2,500 minimum balance requirement, or an aggregate balance of $5,000; if falls below $6 monthly service charge.
Offer: Minimum balance to obtain APY refers to the amount of the principal in the account each day. Interest is compounded daily and paid monthly or quarterly, based on account type. Rate and APY may be subject to change after opening. $6 monthly service charge if balance falls below $2,500 or aggregate balance below $5,000.
0.05% interest rate · Compounded daily · $6 monthly fee · Effective Dec 19, 2024
Rate by balance
Rate by balance for Performance Money Market Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 0.10% $50,000 – $100,000 0.10% $100,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $500 minimum balance requirement; $5 monthly service charge if balance falls below minimum.
Offer: $5 monthly service charge if balance falls below $500.
0.05% interest rate · $5 monthly fee · Effective Dec 19, 2024
Rate by balance
Rate by balance for Forcht Friend Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - Cincinnati Interagency Federal Credit UnionMoney Market CheckingMoney Market Checking · $1,000 min
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Rate may change after account opening. Dividends are compounded monthly. Up to 3 withdrawals/transfers allowed each month, with each withdrawal/transfer for at least $200.00. Free checks. Fees could reduce earnings.
Offer: Limit of 3 withdrawals or transfers per month; minimum withdrawal or transfer amount of $200.00. Rate may change after account opening.
0.10% interest rate · Compounded monthly · Effective Jun 1, 2020
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 9 branches
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - Postal Family Credit Union, Inc.Primary SavingsSavings · $100 min · 0.07%–0.17% by balance
Credit union · 1 branch
0.07%APY$7 a year on $10,000Requirements
Product: Membership begins by opening a Primary Savings account and maintaining a minimum balance of $5.00. No monthly fee. Dividends credited monthly on the 1st.
0.07% interest rate · No monthly fee · Effective Feb 21, 2024
Rate by balance
Rate by balance for Primary Savings Balance APY $100 – $10,000Your amount 0.07% $10,001 – $20,000 0.12% $20,001 and up 0.17% Rate checked
More details - Postal Family Credit Union, Inc.Special Savings (Share 30)Savings · $100 min · 0.07%–0.17% by balance
Credit union · 1 branch
0.07%APY$7 a year on $10,000Requirements
Product: No monthly fee. Dividends credited monthly on the 1st.
0.07% interest rate · No monthly fee · Effective Feb 21, 2024
Rate by balance
Rate by balance for Special Savings (Share 30) Balance APY $100 – $10,000Your amount 0.07% $10,001 – $20,000 0.12% $20,001 and up 0.17% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 9 branches
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.01%–0.06% by balance
Bank · 2 branches
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Non-Relationship Promotional Rate; requires new money to Huntington (money not currently on deposit in any Huntington account except maturing consumer CDs). Rate applies to ZIP code 43215.
Qualified rate · 0.01% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.01% $5,000 – $2,000,001Your amountStandard Rate with qualifying, open Private Client Account. 0.06% $2,000,001 – $100,000,000,000requires new money to Huntington. Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.01% 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
60 accounts at 20 banks and credit unions · checked Oct 6–22
- Typical
- 0.06%
- Top 10% from
- 2.03%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.15%
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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