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Ohio Savings Rate Trends

Cincinnati, Ohio (OH) Savings Rates - March 2026

The best savings rates for Cincinnati, Ohio and the surrounding area include Wright-Patt Credit UnionWright-Patt Credit Union3 Enfield St, Cincinnati, OH 45218 1402A5.0 ★Texas Ratio: 7.66% Health Savings Aount at 7.00% APY, Kemba Credit UnionKemba Credit Union211 Northland Blvd, Cincinnati, OH 45246A5.0 ★Texas Ratio: 6.17% Ohio Homebuyer Plus Savings at 6.25% APY, Superior Credit UnionSuperior Credit Union49 WILLIAM HOWARD TAFT RD, CINCINNATI, OH 45219A+5.0 ★Texas Ratio: 0.36% Ohio Homebuyer Plus Savings Account at 6.00% APY, 1st National Bank OH1st National Bank OH9015 Fields Ertel Rd, Cincinnati, OH 45249A5.0 ★Texas Ratio: 9.28% Ohio Homebuyer Plus Savings Account at 6.00% APY, and CINCINNATI OHIO POLICECINCINNATI OHIO POLICE959 W 8th St, Cincinnati, OH 45203A5.0 ★Texas Ratio: 7.25% Youth Savings at 5.00% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Cincinnati, Ohio, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Cincinnati, Ohio (OH) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Cincinnati, Ohio and the surrounding area. Last Updated and Verified: March 24, 2026

Compare the Best Savings Rates in Cincinnati, Ohio & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
3 Enfield St, Cincinnati, OH 45218 1402
Health Savings Aount
7.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $1,000.00

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
211 Northland Blvd, Cincinnati, OH 45246
Ohio Homebuyer Plus Savings
6.25%
$0
Rate6.08%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
49 WILLIAM HOWARD TAFT RD, CINCINNATI, OH 45219
Ohio Homebuyer Plus Savings Account
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

1st National Bank OH
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
9015 Fields Ertel Rd, Cincinnati, OH 45249
Ohio Homebuyer Plus Savings Account
6.00%
$500
Rate5.83%
Min Deposit$500
Min Balance
UpdatedMar 18, 2026
Details

APY = Annual Percentage Yield. Terms apply.

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
211 Northland Blvd, Cincinnati, OH 45246
Ohio Homebuyer Plus Savings
5.25%
$0
Rate5.13%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
959 W 8th St, Cincinnati, OH 45203
Youth Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
211 Northland Blvd, Cincinnati, OH 45246
Ohio Homebuyer Plus Savings
4.25%
$0
Rate4.17%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
3 Enfield St, Cincinnati, OH 45218 1402
Business Share ertifiates Minimum
3.72%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

$500; Month

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
3 Enfield St, Cincinnati, OH 45218 1402
Business Share ertifiates Minimum
3.62%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

$500; Month

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
3 Enfield St, Cincinnati, OH 45218 1402
Business Share ertifiates Minimum
3.57%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

$500; Month

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
3 Enfield St, Cincinnati, OH 45218 1402
Business Share ertifiates Minimum
3.55%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

$500; Month

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
3 Enfield St, Cincinnati, OH 45218 1402
Business Share ertifiates Minimum
3.44%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

$500; Month

USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
8805 Governors Hill Dr, Cincinnati, OH 45249
Collateral - Statement Savings
3.25%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

over current rate account is earning

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
201 E Fifth St, Cincinnati, OH 45202
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
Uplift Savings
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Cincinnati Healthcare Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2139 Auburn Ave, Cincinnati, OH 45219 2906
Share Certificare
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
4018 Harrison Ave, Cincinnati, OH 45211
High-Yield Savings
2.98%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 20, 2026
Details

Minimum of $5,000 not currently deposited at Huntington.

Cincinnati Healthcare Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2139 Auburn Ave, Cincinnati, OH 45219 2906
Share Certificare
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
3 Enfield St, Cincinnati, OH 45218 1402
Business Money Market Savings Aount
2.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

$100.00 to $2,499.99

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
3 Enfield St, Cincinnati, OH 45218 1402
Money Market Savings Aount
2.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Cincinnati Healthcare Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2139 Auburn Ave, Cincinnati, OH 45219 2906
Share Certificare
2.50%
$0
Rate2.48%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
49 WILLIAM HOWARD TAFT RD, CINCINNATI, OH 45219
IRA Share Savings & Health Savings Accounts
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Cincinnati Healthcare Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2139 Auburn Ave, Cincinnati, OH 45219 2906
Share Certificare
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
49 WILLIAM HOWARD TAFT RD, CINCINNATI, OH 45219
IRA Share Savings & Health Savings Accounts
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Cincinnati Healthcare Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2139 Auburn Ave, Cincinnati, OH 45219 2906
Share Certificare
2.00%
$0
Rate1.99%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
49 WILLIAM HOWARD TAFT RD, CINCINNATI, OH 45219
IRA Share Savings & Health Savings Accounts
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
IRA Share Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Rate (effective 1/1/2026)

St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
Share Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Rate (effective 1/1/2026)

Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
Health Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $25,000.00

Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
10590 READING RD, CINCINNATI, OH 45241
Health Savings Account (HSA)
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
IRA Share Savings
0.25%
$50
Rate0.25%
Min Deposit$50
Min Balance
UpdatedMar 15, 2026
Details

Rate (effective 1/1/2026)

St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
Share Savings
0.25%
$50
Rate0.25%
Min Deposit$50
Min Balance
UpdatedMar 15, 2026
Details

Rate (effective 1/1/2026)

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
3 Enfield St, Cincinnati, OH 45218 1402
Business Share Aount
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

$5.00 to $500.00

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
3 Enfield St, Cincinnati, OH 45218 1402
Seondary Share
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
49 WILLIAM HOWARD TAFT RD, CINCINNATI, OH 45219
IRA CU Saves Share Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
49 WILLIAM HOWARD TAFT RD, CINCINNATI, OH 45219
SafetyNet Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Cincinnati Healthcare Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2139 Auburn Ave, Cincinnati, OH 45219 2906
IRA Savings Account
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
9749 Montgomery Rd, Cincinnati, OH 45242
IRA Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
9749 Montgomery Rd, Cincinnati, OH 45242
Savings Accounts
0.10%
$100
Rate0.10%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

no interest is paid on balances less than $100.00

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
Advantage Savings
0.10%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 21, 2026
Details

An interest-bearing savings account with unlimited deposits.

CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
959 W 8th St, Cincinnati, OH 45203
IRA Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3300 Harrison Ave, Cincinnati, OH 45211
Statement Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

To avoid $8.00 quarterly fee

CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
959 W 8th St, Cincinnati, OH 45203
Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
959 W 8th St, Cincinnati, OH 45203
Youth Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
Easy Savings
0.05%
$10
Rate0.00%
Min Deposit$10
Min Balance
UpdatedMar 21, 2026
Details

A variable rate, interest-bearing savings account with a low minimum balance required.

Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
Statement Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $25,000.00

Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
IRA Statement Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $25,000.00

Forcht Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3549 Columbia Pkwy, Cincinnati, OH 45226
Simple Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Forcht Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3549 Columbia Pkwy, Cincinnati, OH 45226
Forcht Friend Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $9,999.99

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
201 E Fifth St, Cincinnati, OH 45202
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
201 E Fifth St, Cincinnati, OH 45202
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

LCNB National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6581 Harrison Ave, Cincinnati, OH 45247
Health Savings Account (HSA)**
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Ohio State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2106 E Main St, Bexley, OH 43209
OSB Jump Start Savings for Kids
7.00%
$0
Rate6.78%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $1500.00

Ohio State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2106 E Main St, Bexley, OH 43209
Jump Start Savings for Kids!
7.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $1500.00

Ohio State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2106 E Main St, Bexley, OH 43209
Jump Start Savings for Kids
7.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $1500.00

First Federal S&L of Lakewood
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
5659 Broadview Rd, Parma, OH 44134
Ohio Homebuyer Plus Savings Account
6.17%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Community Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
425 Main St, Caldwell, OH 43724
High-Yield Savings
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Community Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
425 Main St, Caldwell, OH 43724
High Yield Savings
3.75%
$25
Rate3.68%
Min Deposit$25
Min Balance
UpdatedMar 20, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.

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.

Cincinnati, OH Savings Rate Trends

Compare local Cincinnati, OH savings rate quotes against the statewide average

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Ohio Savings Trends →
High-Yield Savings — OH Avg
2.833%
▲ 1.425 from last week

Ohio high-yield savings rates rose 1.425 points this week to 2.833% APY, up from 1.409% last week.

Standard Savings — OH Avg
0.597%
▼ 0.103 from last week

Ohio standard savings rates fell 0.103 points this week to 0.597% APY, down from 0.701% last week.

As of Mar 24, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Cincinnati, 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 Cincinnati, 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 Cincinnati, Ohio

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Ohio, help your money grow faster through a higher APY.

Are savings accounts in Cincinnati, Ohio safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Ohio up to $250,000 per depositor, per institution.

How often do savings rates change in Cincinnati, Ohio?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Ohio rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Cincinnati, Ohio may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Cincinnati, Ohio?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Cincinnati, Ohio offer in-person customer service, which some customers prefer.

How do I open a savings account in Cincinnati, Ohio?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Cincinnati, Ohio

Here are recent savings rates observed in Cincinnati, Ohio and the surrounding area:
  • Wright-Patt Credit Union
    Health Savings Aount — 7.00% APY
  • Kemba Credit Union
    Ohio Homebuyer Plus Savings — 6.25% APY
  • Superior Credit Union
    Ohio Homebuyer Plus Savings Account — 6.00% APY
  • 1st National Bank OH
    Ohio Homebuyer Plus Savings Account — 6.00% APY
  • CINCINNATI OHIO POLICE
    Youth Savings — 5.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cincinnati, Ohio. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 24, 2026