Columbus, Ohio Savings Rates - October 2026
Brian McKay
Brian McKay
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Columbus, Ohio savings account rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Columbus, Ohio and the surrounding area include Pathways Financial Credit UnionPathways Financial Credit Union5665 N Hamilton Rd, Columbus, OH 43230A5.0 ★Texas Ratio: 6.10%Real return: +6.30%APY minus 3.7% CPIRate verified Oct 19, 2026 Owner Rewards Savings at 10.00% APY, Wright-Patt Credit UnionWright-Patt Credit Union860 W 3rd Ave, Columbus, OH 43212 3105A5.0 ★Texas Ratio: 6.22%Real return: +3.30%APY minus 3.7% CPIRate verified Oct 19, 2026 Enhanced Health Savings Account (HSA) at 7.00% APY, Together Credit UnionTogether Credit Union690 Schrock Rd, Columbus, OH 43229 1123A+5.0 ★Texas Ratio: 4.25%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 19, 2026 Accelerate It Savings at 5.00% APY, CF BankCF Bank4960 E Dublin Granville Rd, Columbus, OH 43081A+5.0 ★Texas Ratio: 5.55%Real return: +0.55%APY minus 3.7% CPIRate verified Oct 23, 2026 High Yield Savings at 4.25% APY, and Bridge Credit UnionBridge Credit Union1980 W Broad St, Columbus, OH 43223A+5.0 ★Texas Ratio: 4.65%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 19, 2026 Coverdell Education Savings - ConnectMORE at 4.00% APY.
Columbus has 67 local institutions in our database, with savings rates as high as 10.00% APY from Pathways Financial Credit Union at 5665 N Hamilton Rd, Columbus, OH 43230. Use the table below to compare all available offers, including options from institutions serving the broader Ohio area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Columbus, Ohio and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Columbus, Ohio & Surrounding Communities
Qualifying balance up to $5,000.00
- Oct 19, 202610.00%▲ from 0.05%
- Sep 22, 20260.05%first recorded
Balance: $0.01 to $1,000.00
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
Balance: $5,000 and over; Tier 2; Rate guaranteed for 6 months from date of account opening; Bank policy prohibits more than six pre authorized transfers per month
$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
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: $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: $25,000 & up; Dividend Period: Monthly
- Sep 21, 20263.04%▲ from 2.63%
- Sep 14, 20262.63%first recorded
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
Balance: $1,000 - $9,999
Balance: $100.00 to $2,499.99
- Oct 19, 20262.75%▲ from 2.50%
- Sep 18, 20262.50%first recorded
Balance: $100.00 to $2,499.99
- Oct 19, 20262.75%▲ from 2.50%
- Sep 18, 20262.50%first recorded
Balance: $50,000.00 - $99,999.99; Rate based on average daily balance; No monthly maintenance fees or statement fee
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
$100,000+; Balance: $100,000.00 and over; Minimum deposit of $2,500 to open a Blue Max account; Membership required to open a Blue Max Savings account
$50,000; Balance: $50,000.00 - $99,999.99; Minimum deposit of $2,500 to open a Blue Max account; Membership required to open a Blue Max Savings account
$25,000; Balance: $25,000.00 - $49,999.99; Minimum deposit of $2,500 to open a Blue Max account; Membership required to open a Blue Max Savings account
$10,000; Balance: $10,000.00 - $24,999.99; Minimum deposit of $2,500 to open a Blue Max account; Membership required to open a Blue Max Savings account
$2,500; Balance: $2,500.00 - $9,999.99; Minimum deposit of $2,500 to open a Blue Max account; Membership required to open a Blue Max Savings account
Balance: $10,000 - $24,999
Published APY range: 1.25% - 7.00%. Balance: $1,000.01 and Higher
No Minimum; ConnectMORE APY; Requires ConnectMORE Royal Rewards program
No Minimum
Balance: $7,500.00 and over; Rates effective Midnight on Monday, July 1st, 2024
Balance: $25,000.00 and greater
Balance: $25,000+; Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividend Period: Calendar Month; Balance Method: Daily Balance
Balance: Over $25,000
Balance: After first $500; ConnectMORE APY; Requires ConnectMORE Royal Rewards program
- Oct 19, 20260.90%▼ from 1.00%
- Oct 14, 20261.00%▲ from 0.90%
- Sep 14, 20260.90%first recorded
A penalty may be imposed on early withdrawal of a Holiday Club; Holiday Club funds transferred to members savings account on November 1st
- Oct 19, 20260.90%▼ from 1.00%
- Oct 14, 20261.00%▲ from 0.90%
- Sep 14, 20260.90%first recorded
Roth, Traditional, Education
- Oct 19, 20260.90%▼ from 1.00%
- Oct 14, 20261.00%▲ from 0.90%
- Sep 14, 20260.90%first recorded
- Oct 19, 20260.90%▼ from 1.00%
- Oct 14, 20261.00%▲ from 0.90%
- Sep 14, 20260.90%first recorded
Balance: $10,000 - $24,999.99; KEMBA Advantage APY
Balance: Up to 1st $500; ConnectMORE APY; Requires ConnectMORE Royal Rewards program
Balance: After first $500
Balance: $15,000 - $24,999
Balance: Up to 1st $500
Balance: $10,000.00 - $24,999.99
Balance: $10,000 - $24,999; Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividend Period: Calendar Month; Balance Method: Daily Balance
Balance: $0.01 - $2,499.99; KEMBA Advantage APY
Balance: $10,000.00 and over; a daily collected balance of $10,000 must be maintained to obtain the yield; Monthly minimum balance fee $3.00 if balance falls below $200 any day of the statement period; Interest compounded and credited quarterly
Over $10,000; Transaction limits: Limited
Over $10,000; Balance: $10,000 required to earn APY; Transaction Limits: Limited
- Oct 20, 20260.30%▼ from 0.35%
- Sep 14, 20260.35%first recorded
Balance: $0.00 - $49,999.99; Rate based on average daily balance; No monthly maintenance fees or statement fee
Balance: $0.00 - $9,999.99; Tiered rate: 0.20% if daily collected balance is less than $10,000; Monthly minimum balance fee $3.00 if balance falls below $200 any day of the statement period; Interest compounded and credited quarterly
Under $10,000; Transaction limits: Limited
Balance: All Balances
Balance: $0 - $4,999.99; Tier 1; Bank policy prohibits more than six pre authorized transfers per month
Standard rate on balances under $5,000 (outside the bonus offer); rates for ZIP 06897
Under $10,000; Balance: $0.01 required to earn APY; Transaction Limits: Limited
- Oct 20, 20260.05%▼ from 0.20%
- Sep 14, 20260.20%first recorded
Balance: $5,000.00 and above
Holiday payout account; .05% APY interest is lost if withdrawn before the payout date; Effective 08/02/2019
Balance: $0-$2,499.99; Compounding: Monthly; Variable rate account
Balance: $1,000.00 - $4,999.99
Balance: $0.01 and above; NexGen Savings Account; Rate and APY may change after the account is opened
Balance: $100 and above; Statement & Business Savings Accounts; Rate and APY may change after the account is opened
Balance: $0.01 to $4,999.99; Requires open Huntington Perks Checking account; Rates effective as of Monday, October 19, 2026
Balance: $0.01 to $4,999.99; Requires open Huntington Platinum Perks Checking account; Rates effective as of Monday, October 19, 2026
Balance: $1.00 - $499.99
Balance: $0.00 - $4,999.99; Balances below $5,000.00 earn 0.01% APY
Balance: $0.01 to $4,999.99; Non-Relationship Rate; Minimum balance to earn interest is $0.01 and must be new money to Huntington; Rates effective as of Monday, October 19, 2026
Balance: $0.01 - $999.99
Balance: $0-$1500.00
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; $1 minimum opening deposit; No minimum balance requirement; No monthly service fees; Interest compounded and credited monthly; Available in eligible markets only; Fees may reduce earnings
Promotional APY for the first 180 days on balances greater than or equal to $10,000; balances at or below $9,999.99 earn the non-promotional rate; new money required; 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
Additional deposits: Any Amount
Balance: $100,000 and over
Balance: $500,000 or more
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.
Columbus, OH Savings Rate Trends
Compare local Columbus, 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 fell 0.186 points over the past 7 days to 2.640% APY, down from 2.825%.
Ohio standard savings rates fell 0.037 points over the past 7 days to 0.371% APY, down from 0.407%.
Columbus, 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 2.640% 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 Columbus, Ohio.
Savings Account Earnings in Columbus, 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 (2.640% APY) | Monthly Earnings | Standard Savings (0.371% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $131.98 / year | $11.00 | $18.53 / year | $1.54 |
| $10,000 | $263.96 / year | $22.00 | $37.05 / year | $3.09 |
| $25,000 | $659.90 / year | $54.99 | $92.63 / year | $7.72 |
| $50,000 | $1,319.80 / year | $109.98 | $185.25 / year | $15.44 |
| 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: Columbus, Ohio savings rate averages as of October 25, 2026. | ||||
About Our Columbus, Ohio Savings Rate Database
MonitorBankRates found 21 institutions with branches in Columbus (10 banks, 11 credit unions), plus 8 additional state-chartered and national online institutions available to Columbus residents. 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: Pathways Financial Credit Union offers a savings account at 10.00% APY. Use the rate table above to compare all current offers in Columbus, Ohio.
How to Find the Best Savings Rates in Columbus, Ohio
What to compare when shopping for a savings account in Columbus, Ohio
To find the best savings APYs in Columbus, Ohio, start with credit unions and online-only banks: Columbus, Ohio has 11 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 2.640% 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. Columbus, Ohio high-yield savings rates currently average 2.640% 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 Columbus, Ohio institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 29 institutions in Columbus, Ohio report savings rates to our database.
- 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 Columbus, Ohio CD rates
- You want check-writing flexibility Columbus, Ohio money market rates
- You need daily transaction access Columbus, Ohio checking rates
Columbus, Ohio Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
11.3% of residents are 65 or older, below the national average of 17.3%. At today’s OH high-yield savings average of 2.640%, saving 10% of the local median salary ($4,168/year) would earn an additional $110 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Columbus, Ohio Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Columbus, Ohio.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current OH Avg APY | 2.640% | 0.371% | 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 Columbus, Ohio averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Columbus, Ohio
At OH’s top rate of 10.00% from Pathways Financial 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 Columbus, Ohio earner is roughly $10,400. At 2.640% APY, saving $870/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 2.640% 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 Columbus, Ohio earner makes $41,686/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.640% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.640% APY grows to roughly $42,096 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 Columbus, 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 Columbus, 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 Columbus, 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 Columbus, Ohio
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Columbus, Ohio safe?
How often do savings rates change in Columbus, 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 Columbus, Ohio?
How do I open a savings account in Columbus, Ohio?
Best Savings Rates in Columbus, Ohio
- Pathways Financial Credit Union
Owner Rewards Savings: 10.00% APY - Wright-Patt Credit Union
Enhanced Health Savings Account (HSA): 7.00% APY - Together Credit Union
Accelerate It Savings: 5.00% APY - CF Bank
High Yield Savings: 4.25% APY - Bridge Credit Union
Coverdell Education Savings - ConnectMORE: 4.00% APY
Columbus, Ohio Rates & Resources
