Clarksville, Ohio Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Clarksville, Ohio and the surrounding area include Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit UnionA5.0 ★Texas Ratio: 7.13%Real return: +7.20%APY minus 2.8% CPI (February 2026) High Yield Savings at 10.00% APY, Cinfed Federal Credit UnionCinfed Federal Credit UnionA+5.0 ★Texas Ratio: 1.55%Real return: +7.20%APY minus 2.8% CPI (February 2026) Savings at 10.00% APY, Pathways Financial Credit UnionPathways Financial Credit UnionA+5.0 ★Texas Ratio: 5.14%Real return: +7.20%APY minus 2.8% CPI (February 2026) Owner Rewards Savings at 10.00% APY, Seven Seventeen Credit UnionSeven Seventeen Credit UnionA+5.0 ★Texas Ratio: 5.92%Real return: +4.37%APY minus 2.8% CPI (February 2026) Youth Startup Savings Account at 7.17% APY, and Ohio State BankOhio State BankA5.0 ★Texas Ratio: 8.11%Real return: +4.20%APY minus 2.8% CPI (February 2026) OSB Jump Start Savings for Kids at 7.00% APY.
Clarksville is a smaller community with no bank or credit union branches currently in our database. 60 institutions serving the Ohio area are available to Clarksville residents, with savings rates as high as 10.00% APY from Bayer Heritage Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Clarksville, Ohio and the surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Savings Rates in Clarksville, Ohio & Surrounding Communities
Balance: Up to $1000.00
Earn up to 10% APY* on the first $1000 in our new High Yield Savings account! See all the details.
Balance: $0 - $10,000
Balance: $5,000 and under
Min. Balance to earn APY: $.01 to earn dividends
Balance: $0.00 - $1,000.00; The Enhanced Health Savings Account (HSA) is a variable rate account, and the dividend rates and APYs may change after the account is opened. Fees may reduce earnings. All members are required to open and maintain a TrueSaver account in order to have any other WPCU product or service.
Balance: $0.01 to $1,000.00
Balance: up to $2000
Qualifications Required: First Choice Rewards Checking account qualifications met each monthly qualification cycle; 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.
ages 0-17 or older with current Student ID
Balance: Up to $1,000
Balance: $10,000.01 - $100,000
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; Shared branching available; Funds insured by the NCUA
Accelerate It Savings2: 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. 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.
Annual Percentage Yield (APY) accurate as of March 30, 2026. Rate subject to change after account opening. No minimum balance requirement. No monthly service fees. Interest is compounded and credited monthly. For new accounts. Fees may reduce earnings. Available in eligible markets only.
Earn 4.00% APY* on balances up to $25,000; Earn 0.500% APY* on balances over $25,000; No minimum balance required; No monthly maintenance fees; Sync to digital wallet like Apple Pay for contactless, cashless purchases; Mobile App for Apple and Android devices - deposit checks, apply for a loan, open a new account, send money to family and friends with Zelle; Visa Debit Card with EMV chip technology; CO-OP Nationwide ATM & Shared Branch Network with nearly 30,000 surcharge free ATMs, 5,000 branches; Overdraft line-of-credit up to $20,000 available; Enroll in VISA Debit Card purchase alerts Click here
Balance: $25,000+; Compounding: Monthly
Balance: $1
Promotional APY for first 180 days. Balances at or below $9,999.99 do not qualify for this promotional rate and are subject to the current non-promotional interest rate. At the end of the 180-day promotional period, the interest rate and APY will revert to the then-posted non-promotional rate(s). Variable rate. New personal savings client required. New money required. Account must remain open for the full 180-day promotional period. Offer subject to change or cancellation.
Balance: $100,000 and greater
Additional Deposits: Any Amount
Balance: $500,000+
Balance: $200,000 & Over
Waive $20.00 monthly service fee by maintaining a $10,000 minimum daily balance
Balance: $5,000-$99,999
Balance: $25,000 +
Balance: $25.00+
Balance: $250,000 - $499,999.99
Balance: $1,000-$4,999
Balance: $30,000 and up
Balance: $100,000-$199,999
Balance: $5,000.00 to $2,000,000.99; With Huntington Perks Checking**
On Balances $100,000-$499,999
Balance: $10,000 - $24,999
Balance: $5,000.00 to $2,000,000.99
Balance: $100,000 - $249,999.99
Rate based on current balance
Balance: $0.01 - $149.99
Balance: $50,000 and over
Balance: $100,000 and higher
Balance: $25,000 & up
Balance: $250,000 to $999,999.99
Balance: $25,000-$99,999
Available in-branch only. On a balance below $100,000 you would earn the Personal Statement Savings annual percentage yield.
Balance: $0.01 to $999.99
Balance: $250,000.00+
Balance: $100 - $1,000; Last declared & paid 6/30/2026
Balance: $25,000.00+
Balance: Portion up to $500; 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.
Youth savings account. Rewards students any age under or up to 22 years of age for making smart savings and spending decisions. Get a premium 3.00% APY on deposits up to $5,000 with $0 monthly fees (eStatements required). Plus, one Genesis Savings account member from each Catholic school that participates in our Bank In School program is randomly selected annually to win a $1,000 scholarship grant for Catholic education tuition! To open a Genesis Savings account, a joint account application is required with the student as the primary member and the parent/guardian as the joint owner. Rate is accurate as of September 1, 2026, and is accurate as of the dividend declaration date. The rate is variable and may change at any time without notice. Account holders may be any age up to 22. Upon reaching age 23, the account balance will be transferred to a Share Savings Account and will earn the current Share Savings rate. All offers are subject to OC Federal's standard deposit policies and membership eligibility. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your share savings account. Fees may reduce earnings. For additional account information, please see the Truth-in-Savings disclosure. OC Federal may discontinue or modify this offer without notice. Insured by NCUA.
Balance: Up to $1,000
Balance: $15,000 - $29,999.99
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.
Clarksville, OH Savings Rate Trends
Compare local Clarksville, 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 0.091 points over the past 7 days to 1.973% APY, up from 1.882%.
Ohio standard savings rates fell 0.005 points over the past 7 days to 0.805% APY, down from 0.810%.
Clarksville, 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 1.973% 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 60–90 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 Clarksville, Ohio.
Savings Account Earnings in Clarksville, 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 (1.973% APY) | Monthly Earnings | Standard Savings (0.805% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.64 / year | $8.22 | $40.27 / year | $3.36 |
| $10,000 | $197.28 / year | $16.44 | $80.54 / year | $6.71 |
| $25,000 | $493.20 / year | $41.10 | $201.35 / year | $16.78 |
| $50,000 | $986.40 / year | $82.20 | $402.70 / year | $33.56 |
| 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: Clarksville, Ohio savings rate averages as of September 23, 2026. | ||||
About Our Clarksville, Ohio Savings Rate Database
MonitorBankRates tracks savings rate offers from 42 banks and credit unions available to Clarksville, Ohio residents via statewide and national offers. No branch locations physically in Clarksville are currently in our database, but all listed offers are open to Clarksville depositors. 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: Bayer Heritage Federal Credit Union offers a savings account at 10.00% APY. Use the rate table above to compare all current offers in Clarksville, Ohio.
How to Find the Best Savings Rates in Clarksville, Ohio
What to compare when shopping for a savings account in Clarksville, Ohio
To find the best savings APYs in Clarksville, Ohio, start with credit unions and online-only banks: Clarksville, Ohio has 22 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 1.973% but top local institutions are offering as high as 10.00%, 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. Clarksville, Ohio high-yield savings rates currently average 1.973% 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 Clarksville, Ohio institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 42 institutions in Clarksville, Ohio report savings rates to our database.
- You’re among Clarksville, Ohio’s 18.3% 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 → Clarksville, Ohio CD rates
- You want check-writing flexibility → Clarksville, Ohio money market rates
- You need daily transaction access → Clarksville, Ohio checking rates
Ohio Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
18.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s OH high-yield savings average of 1.973%, saving 10% of the local median salary ($4,400/year) would earn an additional $87 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Clarksville, Ohio Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Clarksville, Ohio.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current OH Avg APY | 1.973% | 0.805% | 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 | 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 Clarksville, Ohio averages tracked in our database as of September 23, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Clarksville, Ohio
At OH’s top rate of 10.00% from Bayer Heritage Federal Credit Union, a $10,000 deposit earns $1,000 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Clarksville, Ohio earner is roughly $11,000. At 1.973% APY, saving $920/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 1.973% 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 Clarksville, Ohio earner makes $44,003/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.973% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.973% APY grows to roughly $36,951 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 Clarksville, 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 Clarksville, 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 Clarksville, 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 Clarksville, Ohio
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Clarksville, Ohio safe?
How often do savings rates change in Clarksville, 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 Clarksville, Ohio?
How do I open a savings account in Clarksville, Ohio?
Best Savings Rates in Clarksville, Ohio
- Bayer Heritage Federal Credit Union
High Yield Savings: 10.00% APY - Cinfed Federal Credit Union
Savings: 10.00% APY - Pathways Financial Credit Union
Owner Rewards Savings: 10.00% APY - Seven Seventeen Credit Union
Youth Startup Savings Account: 7.17% APY - Ohio State Bank
OSB Jump Start Savings for Kids: 7.00% APY
Clarksville, Ohio Rates & Resources
