Blaine, Ohio Savings Rates - October 2026
Brian McKay
Brian McKay
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Blaine, Ohio savings account rates range from 2.40% to 10.00% APY, verified by MonitorBankRates as of October 20, 2026. The best savings rates for Blaine, Ohio and the surrounding area include Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit UnionA5.0 ★Texas Ratio: 11.93%Real return: +7.20%APY minus 2.8% CPI (February 2026) High Yield Savings at 10.00% APY, Pathways Financial Credit UnionPathways Financial Credit UnionA5.0 ★Texas Ratio: 6.10%Real return: +7.20%APY minus 2.8% CPI (February 2026) Owner Rewards Savings at 10.00% APY, Treadwell Credit UnionTreadwell Credit UnionA5.0 ★Texas Ratio: 7.47%Real return: +5.20%APY minus 2.8% CPI (February 2026) Infinity Savings at 8.00% APY, Seven Seventeen Credit UnionSeven Seventeen Credit UnionA5.0 ★Texas Ratio: 7.64%Real return: +4.37%APY minus 2.8% CPI (February 2026) Youth Startup Savings Account at 7.17% APY, and Ohio State BankOhio State BankA5.0 ★Texas Ratio: 8.11%Real return: +4.20%APY minus 2.8% CPI (February 2026) OSB Jump Start Savings for Kids at 7.00% APY.
Blaine is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the Ohio area are available to Blaine residents, with savings rates as high as 10.00% APY from Bayer Heritage Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Blaine, Ohio and the surrounding area. Last Updated and Verified: October 20, 2026
Compare the Best Savings Rates in Blaine, Ohio & Surrounding Communities
Balance: Up to $1000.00
Qualifying balance up to $5,000.00
- Oct 19, 202610.00%▲ from 0.05%
- Sep 22, 20260.05%first recorded
Balance: $0.00 - $1,000.00; Qualifying balance up to $1,000.00; 1.00% APY on balances over $1,000; Rate shown on homepage Today's Rates, October 19, 2026
Must be opened in a branch; not available online; limit one Youth Startup Account per member; funds transfer to primary membership savings at 18th birthday
Balance: $0-$1500.00
Balance: $0.01 to $1,000.00
Balance: up to $2000; SmartStart APY is a blended rate of the funds in each tier
Ages 0-17 or older with current Student ID
Balance: Up to $1,000
Ages: 0-18; Balance: $0.00 - $1,000.00; No monthly service fee; 1 free withdrawal per quarter; $25.00 fee for each additional withdrawal
APY dividend of 5.00% earned on balances $100.00 to $5,000.99; balances $5,001.00 and above earn 0.20% APY; dividend rate and APY subject to change without notice after account opening; requires open checking account under same membership number; must be 22 or older; one per Social Security or Taxpayer Identification Number; converts to Regular Savings if checking account closes; Minimum Balance/Average Daily Balance: $5/$100
For members under the age of 18; account matures on the child's 18th birthday by transferring to primary share/savings; Range: $5.00; Rates as of 10/1/2026
mph.bank, a division of Liberty Savings Bank, F.S.B. via Raisin; no minimum balance or maintenance fees; APY accurate as of October 20, 2026; variable rate; New customer offer: up to $1,000 Welcome Bonus with code STACK (deposit $10,000+)
- Oct 14, 20264.00%▲ from 3.86%
- Sep 18, 20263.86%first recorded
APY accurate as of March 30, 2026; Rate subject to change after account opening; No minimum balance requirement; No monthly service fees; Interest compounded and credited monthly; Available in eligible markets only
Balance: $10,000.00 and over; Promotional APY for the first 180 days after account opening; new money required; balances at or below $9,999.99 earn the non-promotional rate; Personal accounts only; Early account closure fee may apply within 180 days
- Oct 14, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Certificate of Deposit; Max Amt. $1,000, One Per Account
- Oct 12, 20264.00%▲ from 0.10%
- Sep 14, 20260.10%first recorded
Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00; Rates effective 3/25/26; Non-qualifying rate is 0.00% APY
Balance: $25,000+; Compounding: Monthly; Balances of $25,000 or more will earn an annual percentage yield of at least 4.00%
$250 Minimum / 12 Months; ConnectMORE APY; Interest rate subject to change after 12 months; Requires ConnectMORE Royal Rewards program
$250 Minimum / 12 Months; Interest rate subject to change after 12 months
- Oct 9, 20263.90%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Additional Deposits: Any Amount
Balance: $100,000 and over
Balance: $200,000 & Over
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
Balance: $25,000 and over; Waive $20.00 monthly service fee by maintaining a $10,000 minimum daily balance; Free online banking; Free mobile banking; Free e-statements
Balance: Balance $500,000 or more; Open Online; No monthly maintenance fee
- Oct 14, 20263.50%▲ from 3.04%
- Sep 14, 20263.04%first recorded
Balance: $25,000 +
Qualifications Required; Balance: $5,000.00 or greater; Rate applies when monthly account requirements are met; Not available for Minors, Rep Payee, Guardianship or Business accounts/members
- Oct 19, 20263.50%▲ from 0.08%
- Sep 14, 20260.08%first recorded
Balance: $25.00 and over
Balance: $0.00 - $249,999.99; Electronic statements; No monthly fee; Unlimited withdrawals
Balance: Balances $250,000 -$500,000; Open Online; No monthly maintenance fee
- Oct 14, 20263.35%▲ from 3.04%
- Sep 14, 20263.04%first recorded
IRA Rates; Footnote 4: minimum initial deposit $1,000 for Traditional and Roth IRA Certificates, $500 for Educational IRA Certificates; Dividends are compounded daily and paid quarterly
- Oct 8, 20263.30%▲ from 3.05%
- Sep 16, 20263.05%first recorded
Balance: $100,000 - $199,999
Balance: $5,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Rates effective as of Monday, October 19, 2026
Balance: $5,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Rates effective as of Monday, October 19, 2026
Balance: $100,000.00 - $499,999.99; Rate based on average daily balance; No monthly maintenance fees or statement fee
Balance: $10,000 - $24,999
Published APY range: 3.21% to 0.50%. Ages: 0-18; Balance: over $2,500.00; APY depends on balance in account; No monthly service fee; 1 free withdrawal per quarter; $25.00 fee for each additional withdrawal
- Oct 19, 20263.21%▼ from 5.00%
- Sep 14, 20265.00%first recorded
Balance: $500,000+; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500
Balance: $75,000.00 and over; $5.00 excessive withdrawal fee if more than 6 withdrawals in one month
Balance: Balances $100,000 to 250,000; Open Online; No monthly maintenance fee
- Oct 14, 20263.15%▲ from 3.04%
- Sep 14, 20263.04%first recorded
Balance: $200,000 - Over; New money or GF Checking required; No Business Accounts
Balance: $500,000.00 and over; Rate based on current balance
Balance: $0.01 - $149.99; Dividends paid quarterly
Balance: $50,000 and over
Open Online
Balance: $100,000 and higher; Dividends compound & paid monthly
Balance: $25,000 & up; Dividend Period: Monthly
- Sep 21, 20263.04%▲ from 2.63%
- Sep 14, 20262.63%first recorded
Balance: $250,000 to $999,999.99; Effective Date: Monday, October 19th, 2026
Balance: $25,000 - $99,999
Personal and Commercial; FDIC insured up to $250,000; Available in-branch only; In-Branch Only
Balance: $0.01 to $999.99
Balance: $250,000.00 and over; Must have a Miami Savings Bank checking account. Individual or joint accounts only.
Available to members up to age 25; account converts to Standard Savings at age 26; limited to one per individual tax owner; variable rate set monthly by Board of Directors; dividends compounded monthly; balance tier not stated in source
Balance: Up to $5,000; Interest paid on balances up to $5,000; Youth account for students up to age 22; $0 monthly fees (eStatements required); joint application required with student as primary member and parent/guardian as joint owner
Balance: Up to $1,000; Earn higher dividends on the first $1,000 in the account
Balance: $1,000,000 and above; Requires $2,000 balance in Main Share account to qualify for Super Share
Earn and Learn available to members up through age 18; APY dividend of 2.96% earned on balances $5.00-$2,500.00; balances over $2,500.00 earn 0.20% APY; Minimum Balance/Average Daily Balance: $5/$5
Other Shares; Abbey Rewards account; See disclosures; Rates effective September 22, 2026
Balance: $100 - $1,000
Balance: $25,000.00+
Balance: $250,000 - $499,999.99; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500
Balance: $0.01 - $4,999.99; variable APY subject to change daily after account opening; APY accurate as of 07/17/2026
Balance: $20,000.00 - $74,999.99; $5.00 excessive withdrawal fee if more than 6 withdrawals in one month
Balance: $1,000,000.00 & Greater
- Oct 3, 20262.65%▲ from 2.50%
- Sep 11, 20262.50%first recorded
Balance: $100,000 - $199,999; New money or GF Checking required; No Business Accounts
Balance: $50,000 - $99,999
Balance: $100,000 and greater; Must maintain a balance of $1,000 to earn interest
Balance: $50,000.00 - $99,999.99; Rate based on average daily balance; No monthly maintenance fees or statement fee
Balance: $250,000-$999,999.99
- Oct 3, 20262.50%▲ from 2.35%
- Sep 11, 20262.35%first recorded
Balance: $200,000 or Greater
Balance: $100 +; Compounding Frequency: Daily
Balance: $5,000.00 - $2,000,000.99; Huntington Relationship Savings Account; APY range 2.40%-4.00% and rate range 2.38%-3.94% based on zip code; variable rate; minimum $5,000 new money to open
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Blaine, OH Savings Rate Trends
Compare local Blaine, OH savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Ohio high-yield savings rates rose 0.076 points over the past 7 days to 2.853% APY, up from 2.776%.
Ohio standard savings rates rose 0.001 points over the past 7 days to 0.413% APY, up from 0.412%.
Blaine, Ohio Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current OH high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current OH high-yield savings average of 2.853% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Blaine, Ohio.
Savings Account Earnings in Blaine, Ohio
Annual interest earnings at current OH average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.853% APY) | Monthly Earnings | Standard Savings (0.413% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $142.63 / year | $11.89 | $20.65 / year | $1.72 |
| $10,000 | $285.25 / year | $23.77 | $41.30 / year | $3.44 |
| $25,000 | $713.13 / year | $59.43 | $103.25 / year | $8.60 |
| $50,000 | $1,426.25 / year | $118.85 | $206.50 / year | $17.21 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Blaine, Ohio savings rate averages as of October 20, 2026. | ||||
About Our Blaine, Ohio Savings Rate Database
MonitorBankRates tracks savings rate offers from 54 banks and credit unions available to Blaine, Ohio residents via statewide and national offers. No branch locations physically in Blaine are currently in our database, but all listed offers are open to Blaine depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Bayer Heritage Federal Credit Union offers a savings account at 10.00% APY. Use the rate table above to compare all current offers in Blaine, Ohio.
How to Find the Best Savings Rates in Blaine, Ohio
What to compare when shopping for a savings account in Blaine, Ohio
To find the best savings APYs in Blaine, Ohio, start with credit unions and online-only banks: Blaine, Ohio has 27 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current OH high-yield savings average is 2.853% but top local institutions are offering as high as 10.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Blaine, Ohio high-yield savings rates currently average 2.853% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Blaine, Ohio institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 54 institutions in Blaine, Ohio report savings rates to our database.
- You’re among Blaine, Ohio’s 18.3% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Blaine, Ohio CD rates
- You want check-writing flexibility Blaine, Ohio money market rates
- You need daily transaction access Blaine, Ohio checking rates
Ohio Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
18.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s OH high-yield savings average of 2.853%, saving 10% of the local median salary ($4,400/year) would earn an additional $126 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Blaine, Ohio Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Blaine, Ohio.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current OH Avg APY | 2.853% | 0.413% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Blaine, Ohio averages tracked in our database as of October 20, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Blaine, Ohio
At OH’s top rate of 10.00% from Bayer Heritage Federal Credit Union, a $10,000 deposit earns $1,000 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Blaine, Ohio earner is roughly $11,000. At 2.853% APY, saving $920/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsOhio’s high-yield savings average is 2.853% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Blaine, Ohio earner makes $44,003/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.853% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.853% APY grows to roughly $43,877 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Blaine, Ohio savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Blaine, Ohio directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Blaine, Ohio. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in OH.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Blaine, Ohio
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Blaine, Ohio safe?
How often do savings rates change in Blaine, Ohio?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Blaine, Ohio?
How do I open a savings account in Blaine, Ohio?
Best Savings Rates in Blaine, Ohio
- Bayer Heritage Federal Credit Union
High Yield Savings: 10.00% APY - Pathways Financial Credit Union
Owner Rewards Savings: 10.00% APY - Treadwell Credit Union
Infinity Savings: 8.00% APY - Seven Seventeen Credit Union
Youth Startup Savings Account: 7.17% APY - Ohio State Bank
OSB Jump Start Savings for Kids: 7.00% APY
Blaine, Ohio Rates & Resources
