Oak Harbor, Ohio Savings Rates - October 2026
Brian McKay
Brian McKay
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Oak Harbor, Ohio savings account rates range from 0.03% to 10.00% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for Oak Harbor, Ohio and the surrounding area include US BankUS Bank215 W Water St, Oak Harbor, OH 43449A+5.0 ★Texas Ratio: 2.85%Real return: +0.70%APY minus 2.8% CPI (February 2026) Bank Smartly Savings Account at 3.50% APY, Commodore Perry Federal Credit UnionCommodore Perry Federal Credit Union1016 S STATE ROUTE 19, OAK HARBOR, OH 43449A5.0 ★Texas Ratio: 11.28%Real return: -1.30%APY minus 2.8% CPI (February 2026) Kasasa Saver Savings at 1.50% APY, Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit UnionA5.0 ★Texas Ratio: 11.93%Real return: +7.20%APY minus 2.8% CPI (February 2026) High Yield Savings at 10.00% APY, Treadwell Credit UnionTreadwell Credit UnionA5.0 ★Texas Ratio: 7.47%Real return: +5.20%APY minus 2.8% CPI (February 2026) Infinity Savings at 8.00% APY, and Seven Seventeen Credit UnionSeven Seventeen Credit UnionA5.0 ★Texas Ratio: 7.64%Real return: +4.37%APY minus 2.8% CPI (February 2026) Youth Startup Savings Account at 7.17% APY.
Oak Harbor has 5 local institutions in our database, with savings rates as high as 3.50% APY from US Bank at 215 W Water St, Oak Harbor, OH 43449. 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 Oak Harbor, Ohio and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in Oak Harbor, Ohio & Surrounding Communities
Earn up to 3.50% APY when you are an account owner of a U.S. Bank Smartly Checking, Safe Debit account, or U.S. Bank Smartly Visa Signature Card and a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location and are accurate for accounts opened on today's date; Monthly maintenance fee $5, waivable; Restrictions apply
Qualifications Required; Balance: 0 - $25,000
- Oct 13, 20261.50%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $100-2,999.99
Minimum Amount: $200.00; Effective 9/1/2026
Balance: $3,000.00 and above
Balance: Up to $1000.00
Qualifying balance up to $1,000.00 (first $1000); new High Yield Savings account; Share (Savings) Accounts section
Qualifying balance up to $1,000.00; Today's Rates (homepage)
Balance: $.01 to earn dividends
Balance: $0-$1500.00
Balance: $0.01 to $1,000.00
- Oct 13, 20267.00%▲ from 1.25%
- Sep 18, 20261.25%first recorded
Balance: up to $2,000.00
Balance: greater than $1,000.01; Members up to age 17 (or older with a current student ID); $5.00 Main Share Membership Savings required to open
Balance: Up to $1,000; Youth savings account for kids under 18
Age: 0-18; 5.00% APY on balances up to $1,000; 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
Balance: $100.00 - $5,000.99 earns APY 5.00%; Balances $5,001.00 and above earn APY 0.20%; Requires open checking account under same membership number; Must be 22 or older; One per Social Security or Taxpayer Identification Number; Minimum Balance/Average Daily Balance: $5/$100
Range: $5.00; for members under 18; matures on child's 18th birthday to primary share/savings; Dividend Rate 4.25%, APY 4.32%
Annualized Earnings: $2,000.00 (Deposit Amount column); Available via Raisin platform; New customer offer: earn up to $1,000 with code STACK
- Oct 14, 20264.00%▲ from 3.86%
- Sep 18, 20263.86%first recorded
No monthly service fees. Interest is compounded and credited monthly.
Promotional APY for 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 personal savings clients only; Personal accounts only
- Oct 14, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Max Amt. $1,000, One Per Account
- Oct 12, 20264.00%▲ from 0.10%
- Sep 14, 20260.10%first recorded
Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00; Non-qualifying rate 0.00% APY; New accounts receive qualifying rate for first statement cycle
Balance: $25,000+; Compounding: Monthly
ConnectMORE APY; $250 Minimum / 12 Months; rate subject to change after 12 months
- Oct 13, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Everyday APY; $250 Minimum / 12 Months; rate subject to change after 12 months
- Oct 13, 20263.90%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Additional Deposits: Any Amount
Minimum balance to obtain APY $100.00
Balance: $100,000 and over
Balance: $200,000 & Over
On balances $25,000+; Higher balances earn higher rates
Balance: $25,000 +
Balance: $25.00 and over
Balance: Balances Through $249,999.99; Minimum opening deposit $10; No minimum balance
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
- Oct 8, 20263.30%▲ from 3.05%
- Sep 16, 20263.05%first recorded
Balance: $100,000 - $199,999
Balance: $5,000.00 to $2,000,000.99; Disclosure Link 2 of 3; Requires open Huntington Perks Checking account; New money required
Balance: $5,000.00 to $2,000,000.99; Disclosure Link 2 of 3; Requires open Huntington Platinum Perks Checking account; New money required
On Balances $100,000-$499,999; Rate based on average daily balance; Higher balances earn higher rates
Balance: $10,000 - $24,999
Balance: $500,000+; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500
Balance: $75,000.00+
Balance: $200,000 - Over
Balance: $0.01 - $149.99
Balance: $100,000 and higher; Dividends compound & paid monthly
Balance: $25,000.00 and over; Dividend Period: Monthly
- Sep 21, 20263.04%▲ from 2.63%
- Sep 14, 20262.63%first recorded
Balance: $250,000 to $999,999.99
Balance: $25,000 - $99,999
Balance: average daily balance of $100,000 to earn stated APY; Available in-branch only; No monthly statement, minimum balance, dormancy, or excessive transaction fees
Balance: $0.01 to $999.99
Available to members up to age 25. Upon turning age 26, account will become a Standard Savings Account. Limited to one Livin' Free Savings Account per individual tax owner. Rates are variable and set by the Board of Directors on a monthly basis. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Balance: Up to $5,000; Interest paid on balances up to $5,000; Youth savings account for students up to age 22; $0 monthly fees (eStatements required); Joint account application required with student as primary member and parent/guardian as joint owner
Balance: Up to $1,000; Earn higher dividends on the first $1,000 in the account
Balance: $1,000,000 and above; Requires $2,000 balance in Main Share account to qualify
Earn and Learn available to members up through age 18; APY dividend of 2.96% on balances $5.00-$2,500.00; Balances over $2,500.00 earn APY 0.20%; Minimum Balance/Average Daily Balance: $5/$5
Abbey Rewards account
Balance: $100 - $1,000
Balance: $250,000 - $499,999.99; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500
Balance: $0.01 - $4,999.99; Variable APY, subject to change without notice
Balance: $1,000,000.00 & Greater
- Oct 3, 20262.65%▲ from 2.50%
- Sep 11, 20262.50%first recorded
Balance: $100,000 - $199,999
Balance: $50,000 - $99,999
Balance: $100,000 and greater
On Balances $50,000-$99,999; Rate based on average daily balance; Higher balances earn higher rates
Balance: $250,000-$999,999.99
- Oct 3, 20262.50%▲ from 2.35%
- Sep 11, 20262.35%first recorded
Balance: $200,000 or Greater
Balance: $100 +
Published APY range: 2.40%-4.00%; Published rate range: 2.38%-3.94%. Balance: $5,000.00 - $2,000,000.99; Rates based on zip code; Huntington Relationship Savings Account; variable rate after opening a Huntington Relationship Savings Account when you maintain deposits of $5,000.00 - $2,000,000.99; Initial minimum opening deposit must be New Money; Balances $2,000,001.00 and above earn 0.01% APY; Balances below $5,000.00 earn 0.01% APY; Balances below $2,500 may be subject to a $10.00 monthly maintenance fee
Balance: $100,000 & Greater
- Oct 3, 20262.40%▲ from 2.22%
- Sep 11, 20262.22%first recorded
Balance: $150,000 - $249,999.99; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500
Single & Family; Balance: $50,000 and up
Balance: $75,000-$249,999.99
- Oct 3, 20262.15%▲ from 2.00%
- Sep 11, 20262.00%first recorded
Balance: $75,000 - $99,999
- Oct 3, 20262.15%▲ from 1.98%
- Sep 11, 20261.98%first recorded
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.
Oak Harbor, OH Savings Rate Trends
Compare local Oak Harbor, 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 0.035 points over the past 7 days to 2.776% APY, up from 2.741%.
Ohio standard savings rates rose 0.004 points over the past 7 days to 0.412% APY, up from 0.408%.
Oak Harbor, 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 2.776% 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 Oak Harbor, Ohio.
Savings Account Earnings in Oak Harbor, 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 (2.776% APY) | Monthly Earnings | Standard Savings (0.412% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $138.81 / year | $11.57 | $20.60 / year | $1.72 |
| $10,000 | $277.62 / year | $23.14 | $41.20 / year | $3.43 |
| $25,000 | $694.05 / year | $57.84 | $103.00 / year | $8.58 |
| $50,000 | $1,388.10 / year | $115.68 | $206.00 / year | $17.17 |
| 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: Oak Harbor, Ohio savings rate averages as of October 14, 2026. | ||||
About Our Oak Harbor, Ohio Savings Rate Database
MonitorBankRates found 2 institutions with branches in Oak Harbor (1 bank, 1 credit union), plus 51 additional state-chartered and national online institutions available to Oak Harbor 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: US Bank offers a savings account at 3.50% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Oak Harbor, Ohio.
How to Find the Best Savings Rates in Oak Harbor, Ohio
What to compare when shopping for a savings account in Oak Harbor, Ohio
To find the best savings APYs in Oak Harbor, Ohio, start with credit unions and online-only banks: Oak Harbor, Ohio has 27 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 2.776% but top local institutions are offering as high as 3.50%, 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 to 6 months of expenses in a liquid, FDIC-insured account. Oak Harbor, Ohio high-yield savings rates currently average 2.776% 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 Oak Harbor, Ohio institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 53 institutions in Oak Harbor, Ohio report savings rates to our database.
- You’re among Oak Harbor, Ohio’s 19.4% 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 Oak Harbor, Ohio CD rates
- You want check-writing flexibility Oak Harbor, Ohio money market rates
- You need daily transaction access Oak Harbor, Ohio checking rates
Oak Harbor, Ohio Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
19.4% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.1% reflects a strong local economy with solid savings capacity. At today’s OH high-yield savings average of 2.776%, saving 10% of the local median salary ($3,401/year) would earn an additional $94 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Oak Harbor, Ohio Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Oak Harbor, Ohio.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current OH Avg APY | 2.776% | 0.412% | 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 Oak Harbor, Ohio averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Oak Harbor, Ohio
At OH’s top rate of 3.50% from US Bank, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Oak Harbor, Ohio earner is roughly $8,500. At 2.776% APY, saving $710/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 2.776% 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 Oak Harbor, Ohio earner makes $34,018/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.776% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.776% APY grows to roughly $43,231 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 Oak Harbor, 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 Oak Harbor, 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 Oak Harbor, 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 Oak Harbor, Ohio
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Oak Harbor, Ohio safe?
How often do savings rates change in Oak Harbor, 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 Oak Harbor, Ohio?
How do I open a savings account in Oak Harbor, Ohio?
Best Savings Rates in Oak Harbor, Ohio
- US Bank
Bank Smartly Savings Account: 3.50% APY - Commodore Perry Federal Credit Union
Kasasa Saver Savings: 1.50% APY - Bayer Heritage Federal Credit Union
High Yield Savings: 10.00% APY - Treadwell Credit Union
Infinity Savings: 8.00% APY - Seven Seventeen Credit Union
Youth Startup Savings Account: 7.17% APY
Oak Harbor, Ohio Rates & Resources
