The Apple Creek Banking Company savings, CD and money market rates
The Apple Creek Banking Company's Ohio Homebuyer Plus offers 4.07% APY. That is 3.69 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #59 of 3150 tracked savings rates by advertised APY. For a $10,000 balance it would rank #30.
Estimate your earnings·What The Apple Creek Banking Company actually pays
The Apple Creek Banking Company at a glance
| Savings | |
|---|---|
| Top savings APY | 4.07% · Ohio Homebuyer Plus |
| Minimum to open | not stated · Ohio Homebuyer Plus |
| Against the national average | 3.69 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.25% · 37 months · 37 Month CD |
| Minimum to open | $5,000 · 37 months CD |
| Against the national average | 2.86 percentage points above the 1.39% FDIC 36-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 2.25% · Money Market · balances of $500,000 to $2,500,000 only |
| Minimum to open | $25 · Money Market |
| Against the national average | 1.62 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 737 · Apple Creek, OH |
|---|---|
| Website | www.applecreekbank.com |
| Branches | 6 branches in OH |
| Availability | Available in OH |
The Apple Creek Banking Company savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
How the rate applies
How the rate applies
IRA
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
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 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
The Apple Creek Banking Company CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 1 months | Up to0.18%Needs at least $150,000 | $500 | 31 Day CD |
| 2 months | Up to0.42%Needs at least $150,000 | $500 | 60 Day CD |
| 3 months | Up to0.60%Needs at least $150,000 | $500 | 91 Day CD |
| 6 months | Up to0.84%Needs at least $150,000 | $500 | 182 Day CD |
| 7 months | 3.95% | $2,500 | 7 Month CD |
| 9 months | Up to0.96%Needs at least $150,000 | $500 | 272 Day CD |
| 10 months | Up to1.09%Needs at least $150,000 | $500 | 303 Day CD |
| 11 months | 4.10% | $2,500 | 11 Month CD |
| 12 months | Up to1.21%Needs at least $150,000 | $500 | 12 Month CD |
| 15 months | Up to1.21%Needs at least $150,000 | $500 | 15 Month CD |
| 18 months | Up to1.21%Needs at least $150,000 | $500 | 18 Month CD |
| 24 months | Up to1.50%Needs at least $150,000 | $500 | 24 Month CD |
| 25 months | 4.20% | $5,000 | 25 Month CD |
| 30 months | Up to1.56%Needs at least $150,000 | $500 | 30 Month CD |
| 36 months | Up to1.56%Needs at least $150,000 | $500 | 36 Month CD |
| 37 months | 4.25% | $5,000 | 37 Month CD |
| 48 months | Up to1.70%Needs at least $150,000 | $500 | 48 Month CD |
| 60 months | Up to1.95%Needs at least $150,000 | $500 | 60 Month CD |
Interactive Tool
Calculate Savings for The Apple Creek Banking Company
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,596.90(10.2%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,596.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What The Apple Creek Banking Company 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.
In Q2 2026, The Apple Creek Banking Company paid a higher average rate on savings and money market deposits than 56% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- The Apple Creek Banking Company, 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 | ||||||||
| Ohio Homebuyer Plus | 4.07% | not stated | $0 | None | not stated | not stated | One rate | |
| Fine print: The bank is not opening new accounts of this type. The rate shown applies to accounts that are already open. | ||||||||
| Premier Savings | Up to 0.75% | $25 | $0 | None | $7.50 monthly service charge if the balance falls below $750 at any time during the statement cycle, can be waived | not stated | Tiered | |
| Fine print: The monthly service charge applies if the balance falls below $750 on any day of the cycle. Holders under 18 or aged 62 and over pay no monthly service charge. | ||||||||
| Core Savings | Up to 0.75% | $25 | $0 | None | $7.50 monthly net service charge if balance falls below $750.00 at any time during the statement cycle, can be waived | not stated | Tiered | |
| Fine print: The monthly service charge applies if the balance falls below $750 at any time during the statement cycle, not only on average. | ||||||||
| E-Christmas Club | 0.35% | $0 | $0 | None | not stated | not stated | One rate | |
| Fine print: The account runs to a fiftieth payment and pays out at maturity. Taking the money before the fiftieth payment costs $10. | ||||||||
| Health Savings Account | Up to 0.25% | $0 | $0 | None | not stated | not stated | Tiered | |
| Statement Savings | 0.15% | $25 | $0 | None | $5.00 monthly service charge if the balance falls below $100 during the statement cycle, can be waived | not stated | One rate | |
| Fine print: Account holders under 18 and account holders 62 and older pay no monthly service charge. For everyone else the charge applies in any statement cycle in which the balance falls below $100. | ||||||||
| Money Market | Up to 2.25% | $25 | $0 | $2,499,999.99 | not stated | not stated | Tiered | |
| Fine print: The best rate applies only up to $2,499,999. A balance of $2,500,000 or more earns the same rate as the lowest balance band. | ||||||||
| Core Money Market | Up to 2.25% | $25 | $0 | $2,499,999.99 | $10.00 monthly net service charge if balance falls below $10,000 at any time during the statement cycle | not stated | Tiered | |
| Fine print: The top rate covers balances up to $2,499,999; a balance of $2,500,000 or more earns the lowest band's rate. A $10.00 monthly service charge applies if the balance falls below $10,000 in the cycle. | ||||||||
| IRA | ||||||||
| IRA | 0.75% | $25 | $0 | None | not stated | not stated | Tiered | |
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 |
|---|---|---|---|---|---|
| 31 Day CD | 1 months | Up to 0.18% | $500 | not stated | not stated |
| 60 Day CD | 2 months | Up to 0.42% | $500 | not stated | not stated |
| 91 Day CD | 3 months | Up to 0.60% | $500 | not stated | not stated |
| 182 Day CD | 6 months | Up to 0.84% | $500 | not stated | not stated |
| 7 Month CD | 7 months | 3.95% | $2,500 | not stated | not stated |
| 272 Day CD | 9 months | Up to 0.96% | $500 | not stated | not stated |
| 303 Day CD | 10 months | Up to 1.09% | $500 | not stated | not stated |
| 11 Month CD | 11 months | 4.10% | $2,500 | not stated | not stated |
| 12 Month CD | 12 months | Up to 1.21% | $500 | not stated | not stated |
| 15 Month CD | 15 months | Up to 1.21% | $500 | not stated | not stated |
| 18 Month CD | 18 months | Up to 1.21% | $500 | not stated | not stated |
| 24 Month CD | 24 months | Up to 1.50% | $500 | not stated | not stated |
| 25 Month CD | 25 months | 4.20% | $5,000 | not stated | not stated |
| 30 Month CD | 30 months | Up to 1.56% | $500 | not stated | not stated |
| 36 Month CD | 36 months | Up to 1.56% | $500 | not stated | not stated |
| 37 Month CD | 37 months | 4.25% | $5,000 | not stated | not stated |
| 48 Month CD | 48 months | Up to 1.70% | $500 | not stated | not stated |
| 60 Month CD | 60 months | Up to 1.95% | $500 | not stated | not stated |
Fine print for 4 CDs above: At maturity this certificate renews automatically as a 12-month certificate, not at its original term.
Opening and using the account
| Availability | Available in OH |
|---|---|
| Footprint | 6 branches in OH |
| Eligibility | not stated |
How The Apple Creek Banking Company behaves over time
Every observation of the advertised Ohio Homebuyer Plus rate in the last 12 months was 4.07% (observed through Nov 3, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 25, 20267 Month CDRaise:3.30%to3.95%
- Obs. Sep 25, 202611 Month CDRaise:3.40%to4.10%
- Obs. Sep 25, 202625 Month CDRaise:3.55%to4.20%
- Obs. Sep 25, 202637 Month CDRaise:3.70%to4.25%
- Ohio Homebuyer Plus
- The same as 30 days ago.
- 37 months CD
- The same as 30 days ago.
$10,000 at the 4.07% APY The Apple Creek Banking Company advertises on Ohio Homebuyer Plus grows to $10,407 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 $10,032 does today. See how the federal funds rate shapes savings rates.
The Apple Creek Banking Company CD rates over time
Who is The Apple Creek Banking Company?
| Headquarters | Apple Creek, OH |
|---|---|
| Founded | 1904 |
| Scale | $271M assets · $243M deposits, $176M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 737 |
| Charter state | Ohio · one of 157 insured banks chartered there (Q2 2026, FDIC) |
| Size | 2,522nd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 43% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What The Apple Creek Banking Company pays on deposits above.
Common questions about The Apple Creek Banking Company
Is The Apple Creek Banking Company FDIC insured?
Yes. The Apple Creek Banking Company is FDIC insured under certificate 737, so deposits are covered up to $250,000 per depositor, per ownership category.
Does The Apple Creek Banking Company have branches?
Yes. The Apple Creek Banking Company operates 6 branches according to FDIC branch records, in addition to its website and mobile apps.
The Apple Creek Banking Company against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| The Apple Creek Banking Company | 4.07% | 1.59% | not stated | 6 branches in OH |
| Pioneer Bank | Up to4.07% | 2.80% | $5,000 | 6 branches in MN |
| Solera National Bank | 4.07% | 4.55% | not stated | 1 branch in CO |
| Bread Savings | 4.05% | 3.70% | $100 | None for this account (online only) |
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 The Apple Creek Banking Company's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Ohio, nearest to The Apple Creek Banking Company 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.