Findlay, Ohio Savings Rates - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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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%Real return: +2.70%APY minus 2.8% CPI (February 2026) First Choice Rewards Savings at 5.50% APY, The Huntington National BankThe Huntington National Bank215 E Crawford St, Findlay, OH 45840A+5.0 ★Texas Ratio: 4.60%Real return: +0.45%APY minus 2.8% CPI (February 2026) Relationship Savings Account - Huntington Perks Checking at 3.25% APY, Farmers & Merchants State Bank Archbold, OHFarmers & Merchants State Bank Archbold, OH1660 Tiffin Ave, Findlay, OH 45840A5.0 ★Texas Ratio: 6.88%Real return: -1.34%APY minus 2.8% CPI (February 2026) DIRECT SAVINGS at 1.46% APY, USXUSX539 S Main St, Findlay, OH 45840A+5.0 ★Texas Ratio: 1.67%Real return: -1.70%APY minus 2.8% CPI (February 2026) 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%Real return: -2.55%APY minus 2.8% CPI (February 2026) Personal Money Market Savings at 0.25% APY.
Findlay has 37 local institutions in our database, with savings rates as high as 5.50% APY from FNB of Pandora at 1630 Tiffin Ave, Findlay, OH 45840. Use the table below to compare all available offers, including options from institutions serving the broader Ohio area. Rates 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: August 28, 2026
Compare the Best Savings Rates in Findlay, Ohio & Surrounding Communities
Qualifications Required: Qualifications Required; First Choice Rewards Savings rates apply if qualifications are met each monthly qualification cycle on First Choice Rewards Checking account. APY range based on balance in account.
With Huntington Perks Checking**
With Huntington Platinum Perks Checking***
With Private Client Account**** Disclosure Link
Non-Relationship Rate
Rates based on zip code and with a minimum of $5,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Savings Account when you maintain deposits of $5,000.00 - $2,000,000.99. Balances $2,000,001.00 and above will earn 0.01% (0.01% APY). Balances below $5,000.00 will earn 0.01% (0.01% APY). Balances below $2,500 may be subject to a $10.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Initial minimum opening deposit to earn the higher interest rate on the HRSA is $5,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than $2,000,000.00. Not valid with any other offer.
Direct Savings only available for new customers or deposits of new funds not currently held with F&M Bank. Interest will be compounded every day. Interest will be credited to your account every quarter. A $3.00 monthly service charge will be charged if a $300.00 minimum balance is not maintained each day during the month. This fee will be assessed on the last business day of the month. Fees may reduce earnings. Limit one (1) Direct Savings account per household.
Direct Savings only available for new customers or deposits of new funds not currently held with F&M Bank. Interest will be compounded every day. Interest will be credited to your account every quarter. A $3.00 monthly service charge will be charged if a $300.00 minimum balance is not maintained each day during the month. This fee will be assessed on the last business day of the month. Fees may reduce earnings. Limit one (1) Direct Savings account per household.
Level 5 Balances $100,000 and over
Direct Savings only available for new customers or deposits of new funds not currently held with F&M Bank. Interest will be compounded every day. Interest will be credited to your account every quarter. A $3.00 monthly service charge will be charged if a $300.00 minimum balance is not maintained each day during the month. This fee will be assessed on the last business day of the month. Fees may reduce earnings. Limit one (1) Direct Savings account per household.
Level 4 Balances $50,000 to $99,999.99
1.00% APY applies to balances up to $500.00 only and balance over $500.00 will earn the Regular Share Savings rate. The Credit Union Board of Directors will review and adjust the Dividend rate monthly. For current Dividend Rate please refer to the published Dividend rates. Rate applies only to Dollar Dog, Cha-Ching, and the edge youth savings accounts.
on first $500
Direct Savings only available for new customers or deposits of new funds not currently held with F&M Bank. Interest will be compounded every day. Interest will be credited to your account every quarter. A $3.00 monthly service charge will be charged if a $300.00 minimum balance is not maintained each day during the month. This fee will be assessed on the last business day of the month. Fees may reduce earnings. Limit one (1) Direct Savings account per household.
Level 3 Balances $25,000 to $49,999.99
Level 2 Balances $10,000 to $24,999.99
Level 1 Balances under $9,999.99
Qualifications Required: Qualifications Required; 0.01% APY applies to all balances if qualifications are not met.; APY range based on balance in account.
With Private Client Account**** Disclosure Link
***
Dividends are earned tax-free and qualified medical expense withdrawals are tax-free also. Balances greater than $1,000 earn a rate of 1.25% - 7.00% APY.
Qualifying balance up to $2,000.00
Qualifications Required: 5.13% APY will be paid only on the portion of your average daily balance that is greater than $1,000.01 and the portion of your average daily balance $0.00 - $1,000 earns 0.05% APY.; Age: up to 17 (or older with a current student id); Featured rate on balances up to $1,000.00
Qualifying balance up to $1,000.00
5.00% to 3.21% APY on balances between $1,000 and $2,500 depending on balance in account; 3.21% to 0.50% APY on balances over $2,500 depending on balance in account; 1 free withdrawal per quarter; $25.00 fee for each additional withdrawal; Shared branching available
For the Accelerate It Savings account, the dividend rate and annual percentage yield are subject to change without notice after account opening. APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.
$1,000
Earn 4.00% APY* on balances up to $25,000; Earn 0.500% APY* on balances over $25,000
Compounding: Monthly
Program available to eligible members and non-members. Non-members will need to establish a Kemba membership. Accounts opened prior to 4/1/2025 may remain below the $500 minimum starting deposit. Balances falling below $500 will be transferred to a Regular Savings account and the Ohio Homebuyer Plus Account will be closed. Maximum contribution to the account is $100,000. Ohio Homebuyer Plus accounts are individual accounts only, however, two individuals who are legally married may be eligible to open and fund individual Accounts held under their own membership. Funds must be used within five years of account opening. Once accounts opened on or after 4/1/2025 reach the contribution maximum of $100,000, program requirements indicate the member must use the funds for purchase of a primary residence within 12 months. Members shall hold not more than one Ohio Homebuyer Savings Program account at any time except as allowed in the Ohio Homebuyer Savings Plus Participation Statement. Dividend rates accurate as of 4/1/2025. Dividend rates are subject to change. Program terms and/or program deposit requirements or limits are subject to change or termination at any time, without prior notice, at the sole discretion of the Treasurer of the State of Ohio or Kemba Credit Union, Inc. Member will need to apply and certify information to the State of Ohio, to be approved for participation. Federally insured by NCUA.
$200,000 & Over
$100,000-$199,999
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
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Ohio high-yield savings rates rose 0.071 points over the past 7 days to 2.468% APY, up from 2.397%.
Ohio standard savings rates fell 0.311 points over the past 7 days to 1.300% APY, down from 1.612%.
Findlay, 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 2026–2027.
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 2.468% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 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 Findlay, Ohio.
Savings Account Earnings in Findlay, 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 (2.468% APY) | Monthly Earnings | Standard Savings (1.300% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $123.40 / year | $10.28 | $65.02 / year | $5.42 |
| $10,000 | $246.79 / year | $20.57 | $130.04 / year | $10.84 |
| $25,000 | $616.98 / year | $51.42 | $325.10 / year | $27.09 |
| $50,000 | $1,233.95 / year | $102.83 | $650.20 / year | $54.18 |
| 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: Findlay, Ohio savings rate averages as of August 29, 2026. | ||||
About Our Findlay, Ohio Savings Rate Database
MonitorBankRates found 7 institutions with branches in Findlay (5 banks, 2 credit unions), plus 15 additional state-chartered and national online institutions available to Findlay 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 (1–5), 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: FNB of Pandora offers a savings account at 5.50% APY. Use the rate table above to compare all current offers in Findlay, Ohio.
How to Find the Best Savings Rates in Findlay, Ohio
What to compare when shopping for a savings account in Findlay, Ohio
To find the best savings APYs in Findlay, Ohio, start with credit unions and online-only banks — Findlay, Ohio has 17 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 2.468% — but top local institutions are offering as high as 5.50%, 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 3–6 months of expenses in a liquid, FDIC-insured account. Findlay, Ohio high-yield savings rates currently average 2.468% APY — far above a typical checking account.
- Short-term savings goals (6–24 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 Findlay, Ohio institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 22 institutions in Findlay, Ohio report savings rates to our database.
- You’re among Findlay, Ohio’s 19.2% 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 → Findlay, Ohio CD rates
- You want check-writing flexibility → Findlay, Ohio money market rates
- You need daily transaction access → Findlay, Ohio checking rates
Findlay, Ohio Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
19.2% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy with solid savings capacity. At today’s OH high-yield savings average of 2.468%, saving 10% of the local median salary ($3,959/year) would earn an additional $98 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Findlay, Ohio Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Findlay, Ohio.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current OH Avg APY | 2.468% | 1.300% | 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 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Findlay, Ohio averages tracked in our database as of August 29, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Findlay, Ohio
At OH’s top rate of 5.50% from FNB of Pandora, a $10,000 deposit earns $550 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Findlay, Ohio earner is roughly $9,900. At 2.468% APY, saving $820/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 2.468% 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 Findlay, Ohio earner makes $39,590/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 2.468% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.468% APY grows to roughly $40,710 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 Findlay, 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 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)?
Are savings accounts in Findlay, Ohio safe?
How often do savings rates change in Findlay, 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 Findlay, Ohio?
How do I open a savings account in Findlay, Ohio?
Best Savings Rates in Findlay, Ohio
- FNB of Pandora
First Choice Rewards Savings — 5.50% APY - The Huntington National Bank
Relationship Savings Account - Huntington Perks Checking — 3.25% 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
Findlay, Ohio Rates & Resources
