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Ohio Savings Rate Trends

Westerville, Ohio (OH) Savings Rates - March 2026

The best savings rates for Westerville, Ohio and the surrounding area include Kemba Financial Credit UnionKemba Financial Credit Union622 N State St, Westerville, OH 43082 9083A+5.0 ★Texas Ratio: 3.84% Ohio Homebuyer Plus Savings Account at 6.25% APY, USB Union Savings BankUSB Union Savings Bank44 S State St, Westerville, OH 43081A+5.0 ★Texas Ratio: 1.66% Collateral - Statement Savings at 3.25% APY, PNC BankPNC Bank72 E Schrock Rd, Westerville, OH 43081A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, The Huntington National BankThe Huntington National Bank630 S State St, Westerville, OH 43081A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 2.98% APY, and CME Federal Credit UnionCME Federal Credit Union428 S State St, Westerville, OH 43081A5.0 ★Texas Ratio: 6.63% Health Savings Accounts at 0.90% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

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

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

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Ohio Homebuyer Plus Savings Account
6.25%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 20, 2026
Details

KEMBA Advantage APY

USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
44 S State St, Westerville, OH 43081
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%
72 E Schrock Rd, Westerville, OH 43081
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%
630 S State St, Westerville, OH 43081
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.

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
428 S State St, Westerville, OH 43081
Health Savings Accounts
0.90%
$0
Rate0.90%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Health Savings Account
0.85%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

KEMBA Advantage APY

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
428 S State St, Westerville, OH 43081
Health Savings Accounts
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Health Savings Account
0.55%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

KEMBA Advantage APY

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Health Savings Account
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Everyday APY

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
428 S State St, Westerville, OH 43081
Health Savings Accounts
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

The Middlefield Banking Company
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
17 N State St, Westerville, OH 43081
IRA Savings
0.40%
$100
Rate0.40%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

The Middlefield Banking Company
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
17 N State St, Westerville, OH 43081
IRA Savings
0.30%
$100
Rate0.30%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
468 Polaris Pkwy, Westerville, OH 43082
Personal Money Market Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Coverdell (ESA) Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

KEMBA Advantage APY

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Health Savings Account
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Everyday APY

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
IRA Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

KEMBA Advantage APY

The Middlefield Banking Company
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
17 N State St, Westerville, OH 43081
IRA Savings
0.20%
$100
Rate0.20%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
IRA Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Everyday APY

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
428 S State St, Westerville, OH 43081
Health Savings Accounts
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Business Savings Account
0.15%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

KEMBA Advantage APY

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Coverdell (ESA) Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Everyday APY

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Primary Savings
0.15%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

KEMBA Advantage APY

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Secondary Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

KEMBA Advantage APY

The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
468 Polaris Pkwy, Westerville, OH 43082
Personal Money Market Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
428 S State St, Westerville, OH 43081
IRA SHARE
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

The Middlefield Banking Company
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
17 N State St, Westerville, OH 43081
IRA Savings
0.10%
$100
Rate0.10%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $1,000.00

The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
468 Polaris Pkwy, Westerville, OH 43082
Business Money Market Savings
0.06%
$0
Rate0.06%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
428 S State St, Westerville, OH 43081
Advantage and Supplemental Share
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
543 N Cleveland Ave, Westerville, OH 43082 7130
Regular Share Savings
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Business Savings Account
0.05%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

Everyday APY

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Primary Savings
0.05%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

Everyday APY

The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
468 Polaris Pkwy, Westerville, OH 43082
Business Money Market Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
622 N State St, Westerville, OH 43082 9083
Secondary Savings
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Everyday APY

The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
468 Polaris Pkwy, Westerville, OH 43082
Business Money Market Savings
0.04%
$0
Rate0.04%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
428 S State St, Westerville, OH 43081
BUSINESS SHARE
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
468 Polaris Pkwy, Westerville, OH 43082
Business Money Market Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
72 E Schrock Rd, Westerville, OH 43081
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
72 E Schrock Rd, Westerville, OH 43081
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
468 Polaris Pkwy, Westerville, OH 43082
Business Money Market Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
428 S State St, Westerville, OH 43081
BUSINESS SHARE
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
28251 Lorain Rd, North Olmsted, OH 44070
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.

Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
5665 N Hamilton Rd, Columbus, OH 43230
Owner Rewards Savings
10.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $5,000.00

Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
3181 Larchmont Ave NE, Warren, OH 44483 2435
Youth Startup Savings Account
7.17%
$0
Rate6.99%
Min Deposit$0
Min Balance
UpdatedMar 24, 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

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
1506 N Fairfield Rd, Beavercreek, OH 45432 2737
Health Savings Aount
7.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $1,000.00

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

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
8763 Union Centre Blvd, West Chester, OH 45069
Ohio Homebuyer Plus Savings
6.25%
$0
Rate6.08%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1980 W Broad St, Columbus, OH 43223
Ohio Homebuyer Plus Savings Account
6.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Everyday APY

First Federal S&L of Lakewood
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
5659 Broadview Rd, Parma, OH 44134
Ohio Homebuyer Plus Savings Account
6.17%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 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

Buckeye State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1885 Northwest Blvd, Columbus, OH 43212
Buckeye Championship Savings
3.25%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 20, 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
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 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.

Westerville, OH Savings Rate Trends

Compare local Westerville, 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 Westerville, 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 Westerville, 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 Westerville, 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 Westerville, 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 Westerville, 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 Westerville, 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 Westerville, Ohio?

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

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

Here are recent savings rates observed in Westerville, Ohio and the surrounding area:
  • Kemba Financial Credit Union
    Ohio Homebuyer Plus Savings Account — 6.25% APY
  • USB Union Savings Bank
    Collateral - Statement Savings — 3.25% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • The Huntington National Bank
    High-Yield Savings — 2.98% APY
  • CME Federal Credit Union
    Health Savings Accounts — 0.90% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Westerville, Ohio. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026