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Ohio Savings Rate Trends

Lancaster, Ohio (OH) Savings Rates - March 2026

The best savings rates for Lancaster, Ohio and the surrounding area include OUCU Financial Credit UnionOUCU Financial Credit Union2808 Columbus Lancaster Rd NW, Lancaster, OH 43130A5.0 ★Texas Ratio: 7.65% IRA High Yield Savings at 4.00% APY, PNC BankPNC Bank148 W Main St, Lancaster, OH 43130A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, USB Union Savings BankUSB Union Savings Bank1654 E Main St, Lancaster, OH 43130A+5.0 ★Texas Ratio: 1.66% Collateral - Statement Savings at 3.25% APY, The Huntington National BankThe Huntington National Bank2665 N Memorial Dr, Lancaster, OH 43130A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 2.98% APY, and Fairfield Federal S&L of LancasterFairfield Federal S&L of Lancaster111 E Main St, Lancaster, OH 43130A+5.0 ★Texas Ratio: 3.53% BUSINESS SAVINGS ACCOUNT at 0.07% APY.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Lancaster, Ohio and the surrounding area. Last Updated and Verified: March 21, 2026

Lancaster, OH Savings Rate Trends

Compare local Lancaster, 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
2.763%

Ohio high-yield savings rates currently average 2.763% APY based on data from institutions in our monitoring network.

Standard Savings — OH Avg
0.620%

Ohio standard savings rates currently average 0.620% APY based on data from institutions in our monitoring network.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
IRA High Yield Savings
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
148 W Main St, Lancaster, OH 43130
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
1654 E Main St, Lancaster, OH 43130
Collateral - Statement Savings
3.25%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

over current rate account is earning

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
2665 N Memorial Dr, Lancaster, OH 43130
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.

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Money Max Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Money Max Savings
0.85%
$0
Rate0.85%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Money Max Savings
0.70%
$0
Rate0.70%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
IRA High Yield Savings
0.55%
$0
Rate0.55%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Money Max Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Share Savings Roth IRA Passbook
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Share Savings IRA Passbook
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Share Savings Coverdell Education Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Coverdell Education Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
111 E Main St, Lancaster, OH 43130
BUSINESS SAVINGS ACCOUNT
0.07%
$100
Rate0.07%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Share Savings Christmas Club
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Share Savings Vacation Club
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Vinton County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
521 E Main St, Lancaster, OH 43130
Minor Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Vinton County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
521 E Main St, Lancaster, OH 43130
Passbook Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

($100 & Above)

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Regular Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

($5 to open)

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Regular Share Savings
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
2808 Columbus Lancaster Rd NW, Lancaster, OH 43130
Share Savings Regular Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

($5 to open)

Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
111 E Main St, Lancaster, OH 43130
BUSINESS SAVINGS ACCOUNT
0.03%
$100
Rate0.03%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
111 E Main St, Lancaster, OH 43130
STATEMENT SAVINGS ACCOUNT
0.03%
$100
Rate0.03%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
111 E Main St, Lancaster, OH 43130
PASSBOOK SAVINGS ACCOUNT
0.03%
$5
Rate0.03%
Min Deposit$5
Min Balance
UpdatedMar 18, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
148 W Main St, Lancaster, OH 43130
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%
148 W Main St, Lancaster, OH 43130
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 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 17, 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 17, 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

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

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

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

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

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 15, 2026
Details

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

1st National Bank OH
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
1000 E Main St, Lebanon, OH 45036
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%
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 15, 2026
Details

Qualifying balance up to $5,000.00

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

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 17, 2026
Details

Qualifying balance up to $1,000.00

Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
2160 Lincoln Hwy E Ste 20, Lancaster, PA 17602
Youth savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 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

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

Versailles S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10413 Kley Rd, Versailles, OH 45380
Education Savings
3.64%
$0
Rate3.58%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Any Amount

F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
41 S 1st St, Miamisburg, OH 45342
Super Saver Savings
3.55%
$25
Rate3.50%
Min Deposit$25
Min Balance
UpdatedMar 18, 2026
Details

FIRELANDS
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
300 North Street, Bellevue, OH 44811
Round Up Savings Account
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

NCF Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
400 N Main St, New Carlisle, OH 45344
Community Builder Savings
3.50%
$0
Rate3.44%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Buckeye State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1885 Northwest Blvd, Columbus, OH 43212
Buckeye Championship Savings
3.25%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

NCF Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
400 N Main St, New Carlisle, OH 45344
Community Builder Savings
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Greenville Federal
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
690 Wagner Ave, Greenville, OH 45331
Premium Money Market Savings
3.15%
$25,000
Rate3.10%
Min Deposit$25,000
Min Balance
UpdatedMar 20, 2026
Details

FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
102 E Main St, Pandora, OH 45877
Passbook Savings
3.10%
$50
Rate3.05%
Min Deposit$50
Min Balance
UpdatedMar 13, 2026
Details

The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
101 E Main St, Baltic, OH 43804
Savings Personal and Business
3.05%
$0
Rate3.01%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Rate based on current balance

SSB Sherwood State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.39%
105 N Harrison St, Sherwood, OH 43556
Sher-Advantage Savings (With Sher-Advantage Checking Relationship)
3.05%
$100
Rate3.05%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

Monthly compounding; Requires active Sher-Advantage Checking

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 15, 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.

Methodology & Data Sources

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

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

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

Here are recent savings rates observed in Lancaster, Ohio and the surrounding area:
  • OUCU Financial Credit Union
    IRA High Yield Savings — 4.00% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • USB Union Savings Bank
    Collateral - Statement Savings — 3.25% APY
  • The Huntington National Bank
    High-Yield Savings — 2.98% APY
  • Fairfield Federal S&L of Lancaster
    BUSINESS SAVINGS ACCOUNT — 0.07% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lancaster, Ohio. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026