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Ohio Savings Rate Trends

Cleveland, Ohio (OH) Savings Rates - March 2026

The best savings rates for Cleveland, Ohio and the surrounding area include Century Federal Credit UnionCentury Federal Credit Union21000 Brookpark Rd, Cleveland, OH 44135 3127A+5.0 ★Texas Ratio: 4.21% Savings Jar at 10.47% APY, First Federal S&L of LakewoodFirst Federal S&L of Lakewood6610 Detroit Ave, Cleveland, OH 44102A+5.0 ★Texas Ratio: 2.73% Ohio Homebuyer Plus Savings Account at 6.17% APY, Ukrainian Federal Credit UnionUkrainian Federal Credit Union5602 State Rd, Cleveland, OH 44134A5.0 ★Texas Ratio: 10.45% Personal Share Draft at 4.00% APY, USB Union Savings BankUSB Union Savings Bank6400 Rockside Road, Cleveland, OH 44131A+5.0 ★Texas Ratio: 1.66% Collateral - Statement Savings at 3.25% APY, and PNC BankPNC Bank7101 Broadway Ave, Cleveland, OH 44105A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Cleveland, Ohio and the surrounding area. Last Updated and Verified: March 25, 2026

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
21000 Brookpark Rd, Cleveland, OH 44135 3127
Savings Jar
10.47%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Savings Jar is designed to encourage increased debit card usage while simultaneously helping our members save at an enhanced interest rate, currently set at 10.47% APY. Dividends are credited to the Savings Jar account monthly, and round-ups from transactions are deposited nightly. Please note that the higher interest rate is subject to change and is set at the discretion of Century Federal Credit Union. Additionally, Century Federal Credit Union reserves the right to modify or discontinue the Savings Jar program and its features at any time. Participation in the Savings Jar program is subject to eligibility criteria set by Century Federal Credit Union.

First Federal S&L of Lakewood
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
6610 Detroit Ave, Cleveland, OH 44102
Ohio Homebuyer Plus Savings Account
6.17%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
5602 State Rd, Cleveland, OH 44134
Personal Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
5602 State Rd, Cleveland, OH 44134
High Dividend Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
6400 Rockside Road, Cleveland, OH 44131
Collateral - Statement Savings
3.25%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

over current rate account is earning

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7101 Broadway Ave, Cleveland, OH 44105
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
905 Euclid Ave, Cleveland, OH 44115
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.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
140 Public Sq, Cleveland, OH 44114
Business Relationship Savings
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1220 Som Center Rd Unit A, Cleveland, OH 44124 2002
Platinum Money Market Savings Account
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
140 Public Sq, Cleveland, OH 44114
Business Relationship Savings
1.25%
$0
Rate0.99%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1220 Som Center Rd Unit A, Cleveland, OH 44124 2002
Jumbo Money Market Savings Account
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
140 Public Sq, Cleveland, OH 44114
Non-Personal Statement Savings
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1220 Som Center Rd Unit A, Cleveland, OH 44124 2002
Money Market Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
140 Public Sq, Cleveland, OH 44114
Non-Personal Statement Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
5602 State Rd, Cleveland, OH 44134
High Dividend Share Draft
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
2300 Saint Clair Ave NE, Cleveland, OH 44114 4049
IRA Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
4180 Warrensville Center Rd, Cleveland, OH 44122 7012
Share Savings
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

As High As

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1220 Som Center Rd Unit A, Cleveland, OH 44124 2002
Individual Retirement Savings Account (IRA)
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
21000 Brookpark Rd, Cleveland, OH 44135 3127
Christmas Club Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
1900 Superior Ave E STE 126, Cleveland, OH 44114 2128
Regular Shares
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
1900 Superior Ave E STE 126, Cleveland, OH 44114 2128
Other Regular Shares
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
1900 Superior Ave E STE 126, Cleveland, OH 44114 2128
IRA Shares
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
21000 Brookpark Rd, Cleveland, OH 44135 3127
Share (Savings)
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Savings Balance is $50 - $1,199.99

PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1800 Carnegie Ave, Cleveland, OH 44115 2312
Share Accounts / Special Savings Accounts
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
140 Public Sq, Cleveland, OH 44114
Business Relationship Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2921 Community College Ave, Cleveland, OH 44115
Special Savings, Summer Reserve, Vacation & Holiday
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Faith Community United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
3550 e 93RD ST, cleveland, OH 44105 1644
Miscellaneous Savings Acount
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Penalties for early withdrawal may apply.

Steel Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
3840 Pearl Rd, Cleveland, OH 44109 2751
Share accounts
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Faith Community United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
3550 e 93RD ST, cleveland, OH 44105 1644
Membership Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1800 Carnegie Ave, Cleveland, OH 44115 2312
Share Accounts / Special Savings Accounts
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
5602 State Rd, Cleveland, OH 44134
IRA (Traditional, ROTH, & Coverdell) Shares
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1220 Som Center Rd Unit A, Cleveland, OH 44124 2002
Savings (Share) Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2921 Community College Ave, Cleveland, OH 44115
Regular Share Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
7007 Broadway Ave, Cleveland, OH 44105
Interest Savings - Tier 2
0.05%
$10
Rate0.05%
Min Deposit$10
Min Balance
UpdatedMar 21, 2026
Details

Minimum to Open: $10

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
7007 Broadway Ave, Cleveland, OH 44105
Interest Savings - Tier 3
0.05%
$10
Rate0.05%
Min Deposit$10
Min Balance
UpdatedMar 21, 2026
Details

Minimum to Open: $10

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
7007 Broadway Ave, Cleveland, OH 44105
Money Market Savings - Tier 2
0.05%
$5,000
Rate0.05%
Min Deposit$5,000
Min Balance
UpdatedMar 21, 2026
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
7007 Broadway Ave, Cleveland, OH 44105
Money Market Savings - Tier 3
0.05%
$5,000
Rate0.05%
Min Deposit$5,000
Min Balance
UpdatedMar 21, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2921 Community College Ave, Cleveland, OH 44115
Special Savings, Summer Reserve, Vacation & Holiday
0.04%
$0
Rate0.04%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2921 Community College Ave, Cleveland, OH 44115
Regular Share Savings
0.04%
$0
Rate0.04%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2921 Community College Ave, Cleveland, OH 44115
I.R.A. Share Savings
0.04%
$0
Rate0.04%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7101 Broadway Ave, Cleveland, OH 44105
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2921 Community College Ave, Cleveland, OH 44115
Special Savings, Summer Reserve, Vacation & Holiday
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2921 Community College Ave, Cleveland, OH 44115
Regular Share Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
5602 State Rd, Cleveland, OH 44134
Regular Savings
0.03%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7101 Broadway Ave, Cleveland, OH 44105
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
7007 Broadway Ave, Cleveland, OH 44105
Interest Savings - Tier 1
0.01%
$10
Rate0.01%
Min Deposit$10
Min Balance
UpdatedMar 21, 2026
Details

Minimum to Open: $10

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
7007 Broadway Ave, Cleveland, OH 44105
Money Market Savings - Tier 1
0.01%
$5,000
Rate0.01%
Min Deposit$5,000
Min Balance
UpdatedMar 21, 2026
Details

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 25, 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 25, 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
OSB Jump Start Savings for Kids
7.00%
$0
Rate6.78%
Min Deposit$0
Min Balance
UpdatedMar 25, 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 25, 2026
Details

APY = Annual Percentage Yield. Terms apply.

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

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

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

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 22, 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 25, 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

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

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.

Cleveland, OH Savings Rate Trends

Compare local Cleveland, 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
2.750%
▲ 1.192 from last week

Ohio high-yield savings rates rose 1.192 points this week to 2.750% APY, up from 1.558% last week.

Standard Savings — OH Avg
0.682%
▼ 0.035 from last week

Ohio standard savings rates fell 0.035 points this week to 0.682% APY, down from 0.717% last week.

As of Mar 26, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

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

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

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

Here are recent savings rates observed in Cleveland, Ohio and the surrounding area:
  • Century Federal Credit Union
    Savings Jar — 10.47% APY
  • First Federal S&L of Lakewood
    Ohio Homebuyer Plus Savings Account — 6.17% APY
  • Ukrainian Federal Credit Union
    Personal Share Draft — 4.00% APY
  • USB Union Savings Bank
    Collateral - Statement Savings — 3.25% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cleveland, Ohio. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026