Riverside Bank of Dublin savings, CD and money market rates
Riverside Bank of Dublin advertises 4.33% APY on its Ohio Homebuyer Plus Savings account. That is 3.95 percentage points above the national savings average of 0.38% (FDIC, Aug 2026).
Ranked #10 of 1006 tracked savings rates by advertised APY. For a $10,000 balance it would rank #4.
Estimate your earnings·What Riverside Bank of Dublin actually pays
Riverside Bank of Dublin at a glance
| Savings | |
|---|---|
| Top savings APY | 4.33% · Ohio Homebuyer Plus Savings |
| Minimum to open | not stated · Ohio Homebuyer Plus Savings |
| Against the national average | 3.95 percentage points above the 0.38% FDIC savings average (Aug 2026) |
| CDs | |
| Top CD APY | 3.85% · 3 months · 3 Month CD |
| Minimum to open | $500 · 3 months CD |
| Against the national average | 2.71 percentage points above the 1.14% FDIC 3-month CD average (Aug 2026) |
| Money market | |
| Top money market APY | Up to 2.50% · Money Market Checking · needs at least $100,000 |
| Minimum to open | $500 · Money Market Checking |
| Against the national average | 1.87 percentage points above the 0.63% FDIC money market average (Aug 2026) |
| FDIC certificate | 59199 · Dublin, OH |
|---|---|
| Website | www.riverside.bank |
| Branches | 3 branches in OH |
| Availability | Available in OH |
Riverside Bank of Dublin savings, CD and money market rates
Personal
How the rate applies
IRA
Business
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.50%. Across 60 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.50%, and one account in ten advertises 4.01% or more. See the highest savings rates.
Riverside Bank of Dublin CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 3.85% | $500 | 3 Month CD |
| 6 months | 3.74% | $500 | 6 Month CD |
| 12 months | 3.42% | $500 | 12 Month CD |
| 15 months | 3.35% | $500 | 15 Month CD |
| 18 months | 3.30% | $500 | 18 Month CD |
| 24 months | 3.33% | $500 | 24 Month CD |
| 36 months | 3.14% | $500 | 36 Month CD |
| 60 months | 3.04% | $500 | 60 Month CD |
| IRA CDs | |||
| not stated | 2.95% | $500 | 7 Day IRA CD |
Interactive Tool
Calculate Savings for Riverside Bank of Dublin
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,704.60(10.9%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,704.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Riverside Bank of Dublin 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 all of its deposits 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.
In Q1 2026, Riverside Bank of Dublin paid a higher average rate than 96% of U.S. banks (all-bank median 2.27%).
- Riverside Bank of Dublin, avg rate paid
- 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 every account that earns interest: savings, interest checking, money market accounts, CDs, and personal and business accounts at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years.
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 balances at the rates of earlier years, everyday transaction balances, and CDs that were priced in a different rate environment. 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 rate paid on interest-bearing deposits, quarterly. 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.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Ohio Homebuyer Plus Savings | 4.33% | not stated | $0 | None | not stated | None | One rate | |
| Savings Account | 0.10% | $10 | $0 | None | $1.00 monthly service charge if the balance falls below $100. Free for students aged 21 and younger, and free for any account with a balance of $100 or more. | None | One rate | |
| Money Market Checking | 2.50% | $500 | $2,500 | None | No monthly service charge. | None | Tiered | |
| Business | ||||||||
| The Business Growth | 2.36% | not stated | $0 | None | not stated | None | 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 | |||||
| 3 Month CD | 3 months | 3.85% | $500 | not stated | not stated |
| 6 Month CD | 6 months | 3.74% | $500 | not stated | not stated |
| 12 Month CD | 12 months | 3.42% | $500 | not stated | not stated |
| 15 Month CD | 15 months | 3.35% | $500 | not stated | not stated |
| 18 Month CD | 18 months | 3.30% | $500 | not stated | not stated |
| 24 Month CD | 24 months | 3.33% | $500 | not stated | not stated |
| 36 Month CD | 36 months | 3.14% | $500 | not stated | not stated |
| 60 Month CD | 60 months | 3.04% | $500 | not stated | not stated |
| IRA CDs | |||||
| 7 Day IRA CD | not stated | 2.95% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in OH |
|---|---|
| Footprint | 3 branches in OH |
| Eligibility | Open to Ohio residents aged 18 or over whose primary residence is in Ohio. The funds must be used toward the down payment or closing costs of a home bought in Ohio, which becomes the buyer's primary residence. |
How Riverside Bank of Dublin behaves over time
Every observation of the advertised Ohio Homebuyer Plus Savings rate in the last 12 months was 4.33% (observed through Sep 12, 2026). The series includes promotional tiers where one applied.
- Ohio Homebuyer Plus Savings
- The same as 7 days ago.
- 3 months CD
- The same as 7 days ago.
- Money Market Checking
- The same as 7 days ago.
- Rate last changed
- Aug 23, 2026(effective date)
$10,000 at the 4.33% APY Riverside Bank of Dublin advertises on Ohio Homebuyer Plus Savings grows to $10,433 in a year. Prices rose 3.4% in the year to July 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,094 does today. See how the federal funds rate shapes savings rates.
Riverside Bank of Dublin CD rates over time
Who is Riverside Bank of Dublin?
| Headquarters | Dublin, OH |
|---|---|
| Founded | 2021 |
| Scale | $269M assets · $239M deposits, $223M of it interest-bearing (Q1 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 59199 |
Financial detail is in What Riverside Bank of Dublin pays on deposits above.
Common questions about Riverside Bank of Dublin
Is Riverside Bank of Dublin FDIC insured?
Yes. Riverside Bank of Dublin is FDIC insured under certificate 59199, so deposits are covered up to $250,000 per depositor, per ownership category.
Does Riverside Bank of Dublin have branches?
Yes. Riverside Bank of Dublin operates 3 branches according to FDIC branch records, in addition to its website and mobile apps.
Riverside Bank of Dublin against its closest alternatives
| Bank | Savings APY | Rate paid (Q1 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Riverside Bank of Dublin | 4.33% | 3.54% | not stated | 3 branches in OH |
| Grand Rapids State Bank | 4.33% | 0.70% | $500 | 2 branches in MN |
| Elevault | 4.34% | 2.08% | $0 | not stated |
| SSB Bank | 4.32% | 2.66% | $0 | 3 branches in PA |
Alternatives are the three tracked banks whose highest savings APY is closest to Riverside Bank of Dublin's.
Similar banks and rate hubs
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Rate hubs: today's highest savings rates, CD rates by term, and money market rates.