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Ohio Savings Rate Trends

Findlay, Ohio (OH) Savings Rates - March 2026

The best savings rates for Findlay, Ohio and the surrounding area include FNB of PandoraFNB of Pandora1630 Tiffin Ave, Findlay, OH 45840A+5.0 ★Texas Ratio: 4.15% Passbook Savings at 3.10% APY, The Huntington National BankThe Huntington National Bank215 E Crawford St, Findlay, OH 45840A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 2.98% APY, Farmers & Merchants State Bank Archbold, OHFarmers & Merchants State Bank Archbold, OH1660 Tiffin Ave, Findlay, OH 45840A5.0 ★Texas Ratio: 6.88% DIRECT SAVINGS at 1.46% APY, USXUSX539 S Main St, Findlay, OH 45840A+5.0 ★Texas Ratio: 5.49% IMMA Shares at 1.10% APY, and The Union Bank CompanyThe Union Bank Company1500 Bright Rd, Findlay, OH 45840A+5.0 ★Texas Ratio: 0.71% Personal Money Market Savings at 0.25% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Findlay, 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 Findlay, Ohio (OH) are continually updated — we recommend checking back frequently.

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

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Passbook Savings
3.10%
$50
Rate3.05%
Min Deposit$50
Min Balance
UpdatedMar 13, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
215 E Crawford St, Findlay, OH 45840
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.

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
1660 Tiffin Ave, Findlay, OH 45840
DIRECT SAVINGS
1.46%
$0
Rate1.45%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
1660 Tiffin Ave, Findlay, OH 45840
DIRECT SAVINGS
1.34%
$0
Rate1.33%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
1660 Tiffin Ave, Findlay, OH 45840
DIRECT SAVINGS
1.13%
$0
Rate1.12%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

USX
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
539 S Main St, Findlay, OH 45840
IMMA Shares
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Balances $100,000 and over

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
1660 Tiffin Ave, Findlay, OH 45840
DIRECT SAVINGS
1.03%
$0
Rate1.02%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

USX
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
539 S Main St, Findlay, OH 45840
IMMA Shares
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Balances $50,000 to $99,999.99

USX
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
539 S Main St, Findlay, OH 45840
Youth Savings
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $500.00

USX
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
539 S Main St, Findlay, OH 45840
IMMA Shares
0.85%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Balances $25,000 to $49,999.99

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Regular Savings Account
0.80%
$100
Rate0.80%
Min Deposit$100
Min Balance
UpdatedMar 13, 2026
Details

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Regular Savings
0.80%
$50
Rate0.80%
Min Deposit$50
Min Balance
UpdatedMar 13, 2026
Details

USX
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
539 S Main St, Findlay, OH 45840
IMMA Shares
0.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Balances $10,000 to $24,999.99

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Regular Savings
0.50%
$100
Rate0.50%
Min Deposit$100
Min Balance
UpdatedMar 13, 2026
Details

USX
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
539 S Main St, Findlay, OH 45840
IMMA Shares
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Balances under $9,999.99

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
First Choice Rewards Savings
0.30%
$1
Rate0.30%
Min Deposit$1
Min Balance
UpdatedMar 13, 2026
Details

Qualifying balance up to $25,000.00

The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1500 Bright Rd, Findlay, OH 45840
Personal Money Market Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Regular Savings
0.25%
$50
Rate0.25%
Min Deposit$50
Min Balance
UpdatedMar 13, 2026
Details

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Regular Savings Account
0.25%
$50
Rate0.25%
Min Deposit$50
Min Balance
UpdatedMar 13, 2026
Details

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Simply Savings
0.25%
$25
Rate0.25%
Min Deposit$25
Min Balance
UpdatedMar 13, 2026
Details

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Regular Savings Account
0.15%
$50
Rate0.15%
Min Deposit$50
Min Balance
UpdatedMar 13, 2026
Details

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Health Savings Accounts and Higher
0.11%
$25
Rate0.11%
Min Deposit$25
Min Balance
UpdatedMar 13, 2026
Details

$10,000.00

Millstream Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
1007 Western Ave, Findlay, OH 45840
IRA Share Accounts
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Regular Savings
0.10%
$50
Rate0.10%
Min Deposit$50
Min Balance
UpdatedMar 13, 2026
Details

The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1500 Bright Rd, Findlay, OH 45840
Personal Money Market Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Health Savings Accounts to $9,999.99
0.09%
$25
Rate0.09%
Min Deposit$25
Min Balance
UpdatedMar 13, 2026
Details

$5,000.00

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Regular Savings
0.09%
$25
Rate0.09%
Min Deposit$25
Min Balance
UpdatedMar 13, 2026
Details

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Health Savings Accounts to $4,999.99
0.07%
$25
Rate0.07%
Min Deposit$25
Min Balance
UpdatedMar 13, 2026
Details

$1,000.00

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1630 Tiffin Ave, Findlay, OH 45840
Regular Savings Account
0.07%
$25
Rate0.07%
Min Deposit$25
Min Balance
UpdatedMar 13, 2026
Details

The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1500 Bright Rd, Findlay, OH 45840
Business Money Market Savings
0.06%
$0
Rate0.06%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Millstream Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
1007 Western Ave, Findlay, OH 45840
Share Savings, Special Shares & Club Accounts
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
11814 Townsip Road 100, Findlay, OH 45840 9248
Prime Share Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1500 Bright Rd, Findlay, OH 45840
Business Money Market Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
11814 Townsip Road 100, Findlay, OH 45840 9248
Share Checking Account
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
28251 Lorain Rd, North Olmsted, OH 44070
Savings Jar
10.47%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
5665 N Hamilton Rd, Columbus, OH 43230
Owner Rewards Savings
10.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $5,000.00

Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
3181 Larchmont Ave NE, Warren, OH 44483 2435
Youth Startup Savings Account
7.17%
$0
Rate6.99%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
1506 N Fairfield Rd, Beavercreek, OH 45432 2737
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 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
555 Officenter Pl, Gahanna, OH 43230 5314
Ohio Homebuyer Plus Savings Account
6.25%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 20, 2026
Details

KEMBA Advantage APY

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
8763 Union Centre Blvd, West Chester, OH 45069
Ohio Homebuyer Plus Savings
6.25%
$0
Rate6.08%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
505 Earl Blvd, Miamisburg, OH 45342
Sweet Savings Youth Account Tier 1
6.17%
$0
Rate6.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
505 Earl Blvd, Miamisburg, OH 45342
Sweet Savings
6.17%
$5
Rate6.00%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Qualifications Required: account must have e-statements; Qualifying balance up to $1,000.00

Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
1205 E Kibby St, Lima, OH 45804
Ohio Homebuyer Plus Savings Account
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
8763 Union Centre Blvd, West Chester, OH 45069
Ohio Homebuyer Plus Savings
5.25%
$0
Rate5.13%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

MyUSA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3600 Towne Blvd, Middletown, OH 45005 5543
Student Savings
5.13%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

(ages 0-17 or older with current Student ID)

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
690 Schrock Rd, Columbus, OH 43229 1123
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $5,000.00

Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
4136 Kidron Rd, Dalton, OH 44618
Youth savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Qualifying balance up to $1,000.00

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
403 Main St, Belpre, OH 45714 1615
Youth Savings (Prime Savers)
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $1,000.00

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
8763 Union Centre Blvd, West Chester, OH 45069
Ohio Homebuyer Plus Savings
4.25%
$0
Rate4.17%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
505 Earl Blvd, Miamisburg, OH 45342
Cap & Gown College Savings Age 0 - 8
4.12%
$0
Rate4.04%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
944 E State St, Athens, OH 45701
IRA High Yield Savings
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
5602 State Rd, Cleveland, OH 44134
High Dividend Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
5602 State Rd, Cleveland, OH 44134
Personal Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1980 W Broad St, Columbus, OH 43223
Coverdell Education Savings
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

$250 Minimum / 12 Months; ConnectMORE APY*

Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
136 McMahan Blvd, Marion, OH 43302
Business Prosperity Savings
3.75%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 18, 2026
Details

Intro rate subject to change

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
1506 N Fairfield Rd, Beavercreek, OH 45432 2737
Business Share ertifiates Minimum
3.72%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

$500; Month

Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1980 W Broad St, Columbus, OH 43223
Coverdell Education Savings
3.65%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

$250 Minimum / 12 Months; Everyday APY*

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
1506 N Fairfield Rd, Beavercreek, OH 45432 2737
Business Share ertifiates Minimum
3.62%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

$500; Month

River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
505 Earl Blvd, Miamisburg, OH 45342
Cap & Gown College Savings Age 9 - 14
3.60%
$0
Rate3.54%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
1506 N Fairfield Rd, Beavercreek, OH 45432 2737
Business Share ertifiates Minimum
3.57%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

$500; Month

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.

Findlay, OH Savings Rate Trends

Compare local Findlay, 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 Findlay, 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 Findlay, 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 Findlay, 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 Findlay, 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 Findlay, 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 Findlay, 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 Findlay, Ohio?

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

How do I open a savings account in Findlay, 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 Findlay, Ohio

Here are recent savings rates observed in Findlay, Ohio and the surrounding area:
  • FNB of Pandora
    Passbook Savings — 3.10% APY
  • The Huntington National Bank
    High-Yield Savings — 2.98% APY
  • Farmers & Merchants State Bank Archbold, OH
    DIRECT SAVINGS — 1.46% APY
  • USX
    IMMA Shares — 1.10% APY
  • The Union Bank Company
    Personal Money Market Savings — 0.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Findlay, Ohio. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 24, 2026