Portage Community Bank savings, CD and money market rates
Portage Community Bank's Neighbor Rewards Savings lists 1.50% APY on balances of $25,000 or less, and 0.50% on larger balances. That is 1.12 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
The rate needs a linked account at the bank.
Ranked #666 of 3121 tracked savings rates by advertised APY. For a $10,000 balance it would rank #439.
Estimate your earnings·What Portage Community Bank actually pays
Portage Community Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 1.50% · Neighbor Rewards Savings · $25,000 or less only · needs a linked account at the bank |
| Minimum to open | $0 · Neighbor Rewards Savings |
| Against the national average | 1.12 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.10% · 18 months · 18 Month Special CD |
| Minimum to open | $1,000 · 18 months CD |
| Money market | |
| Top money market APY | Up to 0.80% · Community Index Money Market · needs at least $100,000 |
| Minimum to open | $0 · Community Index Money Market |
| Against the national average | 0.17 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 34760 · Ravenna, OH |
|---|---|
| Website | www.portagecommunity.bank |
| Branches | 4 branches in OH |
| Availability | Available in OH |
Portage Community Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Business
How the rate applies
How the rate applies
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Portage Community Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 1-2 months | 2.80% | $1,000 | 30-89 Day CD |
| 3-5 months | 2.80% | $1,000 | 90-179 Day CD |
| 5 months | 3.50% | $1,000 | 150-Day CD Special |
| 5 months | 2.80% | $1,000 | 151-179 Day CD |
| 6-8 months | 3.25% | $1,000 | 180-269 Day CD |
| 9 months | 3.50% | $1,000 | 270-Day CD Special |
| 9-11 months | 3.25% | $1,000 | 271-364 Day CD |
| 12 months | 4.00% | $1,000 | 12 Month Special CD |
| 13-17 months | 3.25% | $1,000 | 13-17 Month CD |
| 18 months | 4.10% | $1,000 | 18 Month Special CD |
| 19-23 months | 3.25% | $1,000 | 19-23 Month CD |
| 24-35 months | 3.15% | $1,000 | 24-35 Month CD |
| 36-47 months | 3.00% | $1,000 | 36-47 Month CD |
| 48-59 months | 3.00% | $1,000 | 48-59 Month CD |
| 60 months | 2.75% | $1,000 | 60 Month CD |
| 84 months | 2.00% | $1,000 | 84 Month CD |
| IRA CDs | |||
| 9 months | 3.50% | $1,000 | 270-Day IRA CD |
| 12 months | 4.00% | $1,000 | 12 Month Special IRA CD |
| 13-17 months | 3.25% | $1,000 | 13-17 Month IRA CD |
| 18 months | 4.10% | $1,000 | 18 Month Special IRA CD |
| 19-23 months | 3.25% | $1,000 | 19-23 Month IRA CD |
| 24-35 months | 3.15% | $1,000 | 24-35 Month IRA CD |
| 36-47 months | 3.00% | $1,000 | 36-47 Month IRA CD |
| 48-59 months | 3.00% | $1,000 | 48-59 Month IRA CD |
| 60 months | 2.75% | $1,000 | 60 Month IRA CD |
Interactive Tool
Calculate Savings for Portage Community Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$569.50(3.9%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,569.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Portage Community Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 1.50% applies to balances of $25,000 or less. A larger balance earns 0.50% on the whole amount.
In Q2 2026, Portage Community Bank paid a higher average rate on savings and money market deposits than 65% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Portage Community Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Neighbor Rewards Savings | 1.50% | $0 | $0 | $25,000 | not stated | Linked account at the bank · direct deposit not stated | Tiered | |
| Fine print: A Neighbor Rewards Checking account is required to open this account, and it must stay open for as long as this account is held. If the checking account is closed, the bank may close this account or convert it to a Community Statement Savings account. The stated APY applies to balances up to $25,000; the portion of a balance above $25,000 earns a lower rate. One account per Social Security number. | ||||||||
| Lit'l Peoples Savings Account | 0.20% | $0 | $0 | None | not stated | not stated | One rate | |
| Fine print: No ATM card is available on this account. The account receives an annual statement rather than a monthly one. A parent or legal guardian must be joint on the account for a holder under 18. | ||||||||
| Community Statement Savings | 0.20% | $0 | $0 | None | not stated | not stated | One rate | |
| Health Savings Account | 0.20% | not stated | $0 | None | not stated | not stated | One rate | |
| Community Index Money Market | Up to 0.80% | $0 | $0 | None | not stated | not stated | Tiered | |
| IRA | ||||||||
| Community Savings IRA | 0.20% | not stated | $0 | None | not stated | not stated | One rate | |
| Business | ||||||||
| Community Business Money Market | Up to 0.80% | $0 | $0 | None | not stated | not stated | Tiered | |
| Community Public Fund Index Account | Up to 0.70% | not stated | $0 | None | not stated | not stated | Tiered | |
| Community Business Statement Savings | 0.20% | $0 | $0 | None | not stated | not stated | One rate | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 30-89 Day CD | 1-2 months | 2.80% | $1,000 | not stated | not stated |
| 90-179 Day CD | 3-5 months | 2.80% | $1,000 | not stated | not stated |
| 150-Day CD Special | 5 months | 3.50% | $1,000 | not stated | not stated |
| 151-179 Day CD | 5 months | 2.80% | $1,000 | not stated | not stated |
| 180-269 Day CD | 6-8 months | 3.25% | $1,000 | not stated | not stated |
| 270-Day CD Special | 9 months | 3.50% | $1,000 | not stated | not stated |
| 271-364 Day CD | 9-11 months | 3.25% | $1,000 | not stated | not stated |
| 12 Month Special CD | 12 months | 4.00% | $1,000 | not stated | not stated |
| 13-17 Month CD | 13-17 months | 3.25% | $1,000 | not stated | not stated |
| 18 Month Special CD | 18 months | 4.10% | $1,000 | not stated | not stated |
| 19-23 Month CD | 19-23 months | 3.25% | $1,000 | not stated | not stated |
| 24-35 Month CD | 24-35 months | 3.15% | $1,000 | not stated | not stated |
| 36-47 Month CD | 36-47 months | 3.00% | $1,000 | not stated | not stated |
| 48-59 Month CD | 48-59 months | 3.00% | $1,000 | not stated | not stated |
| 60 Month CD | 60 months | 2.75% | $1,000 | not stated | not stated |
| 84 Month CD | 84 months | 2.00% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 270-Day IRA CD | 9 months | 3.50% | $1,000 | not stated | not stated |
| 12 Month Special IRA CD | 12 months | 4.00% | $1,000 | not stated | not stated |
| 13-17 Month IRA CD | 13-17 months | 3.25% | $1,000 | not stated | not stated |
| 18 Month Special IRA CD | 18 months | 4.10% | $1,000 | not stated | not stated |
| 19-23 Month IRA CD | 19-23 months | 3.25% | $1,000 | not stated | not stated |
| 24-35 Month IRA CD | 24-35 months | 3.15% | $1,000 | not stated | not stated |
| 36-47 Month IRA CD | 36-47 months | 3.00% | $1,000 | not stated | not stated |
| 48-59 Month IRA CD | 48-59 months | 3.00% | $1,000 | not stated | not stated |
| 60 Month IRA CD | 60 months | 2.75% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Available in OH |
|---|---|
| Footprint | 4 branches in OH |
| Eligibility | not stated |
How Portage Community Bank behaves over time
Every observation of the advertised Neighbor Rewards Savings rate in the last 12 months was 1.50% (observed through Oct 21, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 7, 202612 Month Special CDRaise:3.75%to4.00%
- Obs. Oct 7, 202618 Month Special CDRaise:3.75%to4.10%
- Neighbor Rewards Savings
- The same as 30 days ago.
- 18 months CD
- Up 0.35 percentage points from 30 days ago.
$10,000 at the 1.50% APY Portage Community Bank advertises on Neighbor Rewards Savings grows to $10,150 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,784 does today. See how the federal funds rate shapes savings rates.
Portage Community Bank CD rates over time
Who is Portage Community Bank?
| Headquarters | Ravenna, OH |
|---|---|
| Founded | 1998 |
| Scale | $552M assets · $490M deposits, $394M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 34760 |
| Charter state | Ohio · one of 157 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,598th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 63% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Portage Community Bank pays on deposits above.
Common questions about Portage Community Bank
Is Portage Community Bank FDIC insured?
Yes. Portage Community Bank is FDIC insured under certificate 34760, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Portage Community Bank?
Portage Community Bank requires no minimum deposit to open its Neighbor Rewards Savings account, as observed on Oct 21, 2026. Check the bank's current terms before you open an account.
Does the 1.50% apply to my whole balance?
The 1.50% applies to balances of $25,000 or less. A larger balance earns 0.50% on the whole amount. The rate needs a linked account at the bank. Rates are as observed on Oct 21, 2026.
Does Portage Community Bank have branches?
Yes. Portage Community Bank operates 4 branches according to FDIC branch records, in addition to its website and mobile apps.
Portage Community Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Portage Community Bank | 1.50% | 1.85% | $0 | 4 branches in OH |
| American Bank | 1.50% | 3.86% | $1 | 1 branch in PA |
| CorTrust Bank National Association | Up to1.50% | 0.71% | not stated | 37 branches in MN, SD |
| First FarmBank | Up to1.50% | 1.80% | $100 | 6 branches in CO, KS |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Portage Community Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Ohio, nearest to Portage Community Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Ohio, CD rates in Ohio, money market rates in Ohio, and banks in Ohio.