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Conneaut Savings Bank Rates & Review March 2026

Conneaut Savings Bank's 5-Month Certificate of Deposit rates are at 4.01%, 8-Month Certificate of Deposit rates are at 3.80%, 5-Month Certificate of Deposit rates are at 3.49%, 8-Month Certificate of Deposit rates are at 3.29%, 12-Month Certificate of Deposit rates are at 3.24%. Conneaut Savings Bank's savings rates are at 0.02%. Conneaut Savings Bank's money market rates are at 0.05%. Conneaut Savings Bank's Personal Loan Rates are at 10.64%. MonitorBankRates evaluates the financial stability of Conneaut Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.23%. Rates were last updated on 03/25/2026.

Conneaut Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Conneaut Savings Bank? Share your experience about Conneaut Savings Bank by leaving a review below, or read customer reviews before you decide to use Conneaut Savings Bank.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.23%
Excellent Lower than avg
Conneaut Savings Bank
305 Main St
Conneaut, OH 44030
https://www.conneautsavings.com
Member FDIC

Conneaut Savings Bank CD Rates

Product Rate APY Term View More
5 Month Certificate of Deposit 3.95% 4.01% 5 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
8 Month Certificate of Deposit 3.75% 3.80% 8 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
5 Month Certificate of Deposit 3.45% 3.49% 5 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
8 Month Certificate of Deposit 3.25% 3.29% 8 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
12 Month Certificate of Deposit 3.20% 3.24% 12 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
12 Month Certificate of Deposit 2.70% 2.73% 12 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
6 Month Certificate of Deposit 1.49% 1.50% 6 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
6 Month Certificate of Deposit 0.99% 0.99% 6 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
18 Month Certificate of Deposit 0.50% 0.50% 18 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
15 Month Certificate of Deposit 0.45% 0.45% 15 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
60 Month Certificate of Deposit 0.45% 0.45% 60 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
18 Month Certificate of Deposit 0.40% 0.40% 18 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
35 Month Certificate of Deposit 0.40% 0.40% 35 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
15 Month Certificate of Deposit 0.35% 0.35% 15 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
21 Month Certificate of Deposit 0.35% 0.35% 21 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
48 Month Certificate of Deposit 0.35% 0.35% 48 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
60 Month Certificate of Deposit 0.35% 0.35% 60 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
35 Month Certificate of Deposit 0.25% 0.25% 35 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
48 Month Certificate of Deposit 0.25% 0.25% 48 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
21 Month Certificate of Deposit 0.20% 0.20% 21 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
36 Month Certificate of Deposit 0.20% 0.20% 36 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
24 Month Certificate of Deposit 0.15% 0.15% 24 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
3 Month Certificate of Deposit 0.15% 0.15% 3 Month
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
36 Month Certificate of Deposit 0.10% 0.10% 36 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
24 Month Certificate of Deposit 0.05% 0.05% 24 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
3 Month Certificate of Deposit 0.05% 0.05% 3 Month
Min Deposit $1,000
Details Personal Product APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%

Conneaut Savings Bank Savings Rates

Product Rate APY View More
IRA Savings 0.20% 0.20%
Min Deposit $50
Details Relationship Bonus
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Statement Savings Relationship Bonus 0.15% 0.15%
Details $30,000 and above
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
IRA Savings 0.10% 0.10%
Min Deposit $50
Details Personal Product
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Statement Savings Personal Product 0.10% 0.10%
Details $30,000 and above
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Statement Savings to $29,999 Relationship Bonus 0.10% 0.10%
Details $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Statement Savings to $29,999 Personal Product 0.05% 0.05%
Details $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Statement Savings to $999 Relationship Bonus 0.05% 0.05%
Min Deposit $50
Details $0
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Statement Savings to $999 Personal Product 0.02% 0.02%
Min Deposit $50
Details $0
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%

Conneaut Savings Bank Money Market Rates

Product Rate APY View More
Money Market 3.50% 3.55%
Min Balance $25,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Money Market 2.25% 2.27%
Min Balance $2,500
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Money Market 1.00% 1.00%
Min Deposit $1,000
Details Relationship Bonus APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Money Market 0.15% 0.15%
Min Balance $25,000
Details Personal APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Money Market 0.10% 0.10%
Min Balance $2,500
Details Personal APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Money Market 0.05% 0.05%
Min Deposit $1,000
Details Personal APY
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%

Conneaut Savings Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans 120 Months Fixed First Mortgage 6.00% - 6.34% 120
Details First Mortgage
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Home Equity Loans 60 Months Fixed First Mortgage 5.75% - 6.37% 60
Details First Mortgage
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Home Equity Loans 180 Months Fixed First Mortgage 6.25% - 6.49% 180
Details First Mortgage
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Home Equity Loans 120 Months Fixed Second Mortgage 6.25% - 6.59% 120
Details Second Mortgage
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Home Equity Loans 60 Months Fixed Second Mortgage 6.00% - 6.62% 60
Details Second Mortgage
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Home Equity Loans 180 Months Fixed Second Mortgage 6.50% - 6.74% 180
Details Second Mortgage
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Home Equity Line of Credit - - 6.75%
Details Variable rate of interest tied to the Wall Street Journal Prime Rate
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Home Equity Loans 240 Months Fixed First Mortgage 6.90% - 7.10% 240
Details First Mortgage
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Home Equity Loans 240 Months Fixed Second Mortgage 7.00% - 7.20% 240
Details Second Mortgage
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%

Conneaut Savings Bank Personal Loan Rates

Product Rate APR View More
New Personal Watercraft & Motorcycle 10.49% 10.64%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
New Personal Watercraft & Motorcycle 10.49% 10.65%
Details Used 1 Year
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
New Personal Watercraft & Motorcycle 10.75% 10.92%
Details 1-2 Years
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
New Personal Watercraft & Motorcycle 11.49% 11.70%
Details 3-4 Years
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
New Personal Watercraft & Motorcycle 11.99% 12.23%
Details 5-6 Years
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
New Personal Watercraft & Motorcycle 12.49% 12.76%
Details 7 Years And Older
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%
Personal Loans 12.25% 13.63%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.23%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Conneaut Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Conneaut Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Conneaut Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Conneaut Savings Bank
Bank Holding Company CONNEAUT BCORP MHC
Address 305 Main St, Conneaut, OH 44030  ·  Ashtabula
FDIC Certificate # 28677
Established 01/01/1888
FDIC Insurance Date 08/09/1989
Domestic Offices 1
Total Branches 1
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
3.23%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.0994%
Return on Equity (ROE) 0.8900%
Non-Performing Loans (NPL) 0.37%
Total Assets $76,111,000
Total Deposits $64,576,000
Equity Capital $10,024,000
Net Income $93,000
Headquarters Conneaut
Total Offices 1
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Conneaut Savings Bank

Is Conneaut Savings Bank a safe place to deposit money?

Yes, Conneaut Savings Bank is considered a safe financial institution. With a Texas Ratio of 3.2287929637773%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Conneaut Savings Bank operate?

Conneaut Savings Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Conneaut Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Conneaut Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Conneaut Savings Bank offer online and mobile banking?

Most modern institutions like Conneaut Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.conneautsavings.com.

Current Conneaut Savings Bank Rates

  • 12-Month CD2.73%
  • 18-Month CD0.40%
  • 24-Month CD0.05%
  • 36-Month CD0.10%
  • 48-Month CD0.25%
  • 60-Month CD0.35%
  • Savings0.02%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.