What are the current interest rates at Savings Bank Circleville, OH?

Current rates for Savings Bank Circleville, OH include: 18-Month CD: 1.77%, Savings: 0.05%, MMA: 3.20%

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Savings Bank Circleville, OH

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Savings Bank Circleville, OH Rates & Review October 2026

Q: How many branches does Savings Bank Circleville, OH operate?

Savings Bank Circleville, OH currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Savings Bank Circleville, OH 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.

Q: Are credit management and repair services offered?

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

Q: Does Savings Bank Circleville, OH offer online and mobile banking?

Most modern institutions like Savings Bank Circleville, OH 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.thesavingsbankohio.bank.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Savings Bank Circleville, OH's top rates as of October 11, 2026 are 4.11% APY on its 15-Months 15-MONTH CD, 0.05% APY on savings, 3.20% APY on money market accounts, 0.05% APY on checking, and 4.50% on its Affordable Rate Program (15-Year Mortgage), according to rates verified by MonitorBankRates. Other Savings Bank Circleville, OH CD rates include 9-Months 9-MONTH CD at 3.67%, 3-Months 3-MONTH CD at 3.56%, and 30-Month Fixed at 1.85%. Other Savings Bank Circleville, OH mortgage rates include Affordable Rate Program (30-Year Mortgage) at 5.00%, and 5/1 Adjustable Rate Mortgage (ARM) with 30-Yr Amortization at 6.50%. MonitorBankRates evaluates the financial stability of Savings Bank Circleville, OH with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.59%. Rates last updated and verified on 10/11/2026.

Savings Bank Circleville, OH 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 Savings Bank Circleville, OH? Share your experience about Savings Bank Circleville, OH by leaving a review below, or read customer reviews before you decide to use Savings Bank Circleville, OH.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.59%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Savings Bank Circleville, OH

118 N Court St
Circleville, OH 43113

https://www.thesavingsbankohio.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Savings Bank Circleville, OH CD Rates

Product	Rate	APY	Term
15-MONTH CD	4.03%	4.11%	15 months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 3.30% → 4.11% ▲ 0.81 pts · high 4.11% / low 3.30% Sep 24, 20264.11%▲ from 3.30% Sep 19, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
9-MONTH CD	3.60%	3.67%	9 months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 3.56% → 3.67% ▲ 0.11 pts · high 3.67% / low 3.56% Sep 24, 20263.67%▲ from 3.56% Sep 19, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
3-MONTH CD	3.50%	3.56%	3 months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 3.46% → 3.56% ▲ 0.10 pts · high 3.56% / low 3.46% Sep 24, 20263.56%▲ from 3.46% Sep 19, 20263.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
30 Month Fixed	1.83%	1.85%	30 Month
Min Deposit $5 Min Balance $0 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18 Month Variable	1.75%	1.77%	18 Month
Min Deposit $5 Min Balance $0 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.77% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Savings Bank Circleville, OH Savings Rates

Product	Rate	APY
Health Savings (HSA)	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Frequency of Crediting: Daily/Monthly Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
STATEMENT SAVINGS	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Frequency of Crediting: Daily/Quarterly Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Savings Bank Circleville, OH Checking Rates

Product	Rate	APY
LEGACY MMA CHECKING	3.15%	3.20%
Min Deposit $50,000 Min Balance $500,000 Details Balance: $500,000+; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
LEGACY MMA CHECKING	2.95%	2.99%
Min Deposit $50,000 Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.99% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
LEGACY MMA CHECKING	2.35%	2.38%
Min Deposit $50,000 Min Balance $150,000 Details Balance: $150,000 - $249,999.99; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.38% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
LEGACY MMA CHECKING	2.00%	2.02%
Min Deposit $50,000 Min Balance $100,000 Details Balance: $100,000 - $149,999.99; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
LEGACY MMA CHECKING	1.39%	1.40%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
LEGACY MMA CHECKING	1.14%	1.15%
Min Deposit $50,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
LEGACY MMA CHECKING	0.10%	0.10%
Min Deposit $50,000 Min Balance $0 Details Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
PREMIER CHECKING	0.05%	0.05%
Min Deposit $5,000 Min Balance $0 Details Balance Frequency of Crediting: Daily/Monthly; $5.00 if ADB Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
PREMIER CHECKING	0.05%	0.05%
Min Deposit $5,000 Min Balance $2,500 Details Balance: $2,500+; Balance Frequency of Crediting: Daily/Monthly; $5.00 if ADB Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
SMART MARKET MMA CHECKING	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance Frequency of Crediting: Daily/Monthly; $5.00 if ADB <$2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
SMART MARKET MMA CHECKING	0.05%	0.05%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Balance Frequency of Crediting: Daily/Monthly; $5.00 if ADB <$2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
SMART MARKET MMA CHECKING	0.05%	0.05%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Balance Frequency of Crediting: Daily/Monthly; $5.00 if ADB <$2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
SMART MARKET MMA CHECKING	0.05%	0.05%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000+; Balance Frequency of Crediting: Daily/Monthly; $5.00 if ADB <$2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Savings Bank Circleville, OH Mortgage Rates

Product	Rate	Points	APR	Term
Affordable Rate Program (15-Year Mortgage)	4.50%	4.659%	4.50%	15 Years
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Affordable Rate Program (30-Year Mortgage)	5.00%	-	5.093%	30 years
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 5.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
5/1 Adjustable Rate Mortgage (ARM) with 30-Yr Amortization	6.50%	-	6.982%	30-Year
Details Rate, APR and Payment Details. The APR is effective October 1, 2026, and assumes a down payment of 20%. Actual APR is variable for the life of the loan and will be based on the U.S. Treasury One Year Rate in effect, plus a margin of 0.125 percent. Your loan has an initial interest rate discount. Your interest rate can change after 60 months and every 12 months thereafter. Your interest rate cannot increase or decrease more than 2.00 percentage points at the first adjustment, and 2.00 percentage points per subsequent adjustment from the initial interest rate. Your interest rate will never be greater than 12.5% ("Lifetime Interest Rate Cap") percentage points above the initial interest rate, nor lower than the initial interest rate offered. Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 6.56% → 6.98% ▲ 0.42 pts · high 6.98% / low 6.56% Oct 7, 20266.98%▲ from 6.93% Sep 27, 20266.93%▲ from 6.56% Sep 15, 20266.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Savings Bank Circleville, OH Other Rates

Product	Rate	Points	APY/APR	Term
FHLB Affordable Rate Program (15-Year) Loan	4.50%	-	4.659%	15-Year
Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 4.66% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
FHLB Affordable Rate Program (30-Year) Loan	5.00%	-	5.093%	30-Year
Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 5.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Residential Land Loan (60-Month Balloon)	7.875%	-	8.064%	60-Month
Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 8.06% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
PREMIER BUSINESS	0.05%	-	0.05%
Min Deposit $5,000 Min Balance $0 Details Balance Frequency of Crediting: Daily/Monthly; $5.00 if ADB Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
PREMIER BUSINESS	0.05%	-	0.05%
Min Deposit $5,000 Min Balance $2,500 Details Balance: $2,500+; Balance Frequency of Crediting: Daily/Monthly; $5.00 if ADB Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Savings Bank Circleville, OH’s Texas Ratio fell from 2.76% in Q3 2023 to 1.59% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$520M	1.59%	5.0	A+
March 31, 2026	$518M	3.42%	5.0	A+
December 31, 2025	$517M	1.50%	5.0	A+
September 30, 2025	$519M	1.57%	5.0	A+
June 30, 2025	$520M	1.75%	5.0	A+
March 31, 2025	$518M	1.93%	5.0	A+
December 31, 2024	$512M	2.61%	5.0	A+
September 30, 2024	$535M	2.03%	5.0	A+
June 30, 2024	$550M	2.10%	5.0	A+
March 31, 2024	$552M	2.45%	5.0	A+
December 31, 2023	$553M	2.54%	5.0	A+
September 30, 2023	$600M	2.76%	4.9	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Savings Bank Circleville, OH 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 Savings Bank Circleville, OH 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 Savings Bank Circleville, OH's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Savings Bank Circleville, OH

Bank Holding Company SAVINGS BCORP INC

Address 118 N Court St, Circleville, OH 43113 · Pickaway

Website https://www.thesavingsbankohio.bank

FDIC Certificate # 13216

Established 19120420

FDIC Insurance Date 19340101

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.59%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6270%

Return on Equity (ROE) 6.1500%

Non-Performing Loans (NPL) 0.16%

Total Assets $520,058,000

Total Deposits $450,229,000

Equity Capital $53,338,000

Net Income $1,625,000

Headquarters Circleville

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Savings Bank Circleville, OH earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Savings Bank Circleville, OH

How many branches does Savings Bank Circleville, OH operate?

Savings Bank Circleville, OH currently maintains approximately 6 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, Savings Bank Circleville, OH 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, Savings Bank Circleville, OH provides members with tools to manage their accounts and build a solid financial history.

Does Savings Bank Circleville, OH offer online and mobile banking?

Most modern institutions like Savings Bank Circleville, OH 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.thesavingsbankohio.bank.