The Old Fort Banking Company savings, CD and money market rates
The Old Fort Banking Company advertises 0.05% APY on its Regular Savings account. That is 0.33 percentage points below the national savings average of 0.38% (FDIC, Aug 2026).
Ranked #366 of 402 tracked savings rates by advertised APY. For a $10,000 balance it would rank #349. It was #154 three months ago.
Estimate your earnings·What The Old Fort Banking Company actually pays
The Old Fort Banking Company at a glance
| Savings | |
|---|---|
| Top savings APY | 0.05% · Regular Savings |
| Minimum to open | $0 · Regular Savings |
| Against the national average | 0.33 percentage points below the 0.38% FDIC savings average (Aug 2026) |
| CDs | |
| Top CD APY | 3.50% · 7 months · 7-Month CD |
| Minimum to open | $1,000 · 7 months CD |
| Against the national average | 2.09 percentage points above the 1.41% FDIC 6-month CD average (Aug 2026) |
| Money market | |
| Top money market APY | Up to 2.37% · Marquee Money Market · needs at least $100,000 |
| Minimum to open | $0 · Marquee Money Market |
| Against the national average | 1.74 percentage points above the 0.63% FDIC money market average (Aug 2026) |
| FDIC certificate | 10255 · Old Fort, OH |
|---|---|
| Website | www.oldfortbank.com |
| Branches | 11 branches in OH |
| Availability | Available in OH |
The Old Fort Banking Company savings, CD and money market rates
Personal
How the rate applies
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 5.00%. Across 57 savings accounts from 55 banks in the Banksparency core savings index, the median advertised rate is 3.52%, and one account in ten advertises 4.01% or more. See the highest savings rates.
The Old Fort Banking Company CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 0.05% | $1,000 | 90-Day CD |
| 6 months | 0.10% | $1,000 | 6-Month CD |
| 7 months | 3.50% | $1,000 | 7-Month CD |
| 9 months | 0.15% | $1,000 | 9-Month Investment Saver |
| 9 months | 0.15% | $1,000 | 9-Month CD |
| 10 months | 0.15% | $1,000 | 10-Month CD |
| 11 months | 0.15% | $1,000 | 11-Month CD |
| 12 months | 0.15% | $1,000 | 12-Month CD |
| 15 months | 3.25% | $1,000 | 15-Month CD |
| 18 months | 0.20% | $1,000 | 18-Month Investment Saver |
| 18 months | 0.20% | $1,000 | 18-Month CD |
| 23 months | 0.25% | $1,000 | 23-Month Investment Saver |
| 23 months | 0.25% | $1,000 | 23-Month CD |
| 24 months | 0.25% | $1,000 | 24-Month CD |
| 30 months | 0.30% | $1,000 | 30-Month CD |
| 33 months | 1.99% | $1,000 | 33-Month CD |
| 36 months | 0.35% | $1,000 | 36-Month CD |
| 48 months | 0.40% | $1,000 | 48-Month CD |
| 60 months | 0.50% | $1,000 | 60-Month CD |
Interactive Tool
Calculate Savings for The Old Fort Banking Company
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$74.70(0.5%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,074.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What The Old Fort 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 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, The Old Fort Banking Company paid a higher average rate than 30% of U.S. banks (all-bank median 2.27%).
- The Old Fort Banking Company, 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 | ||||||||
| Regular Savings | 0.05% | $0 | $0 | None | not stated | not stated | One rate | |
| Health Savings Account | 0.05% | $0 | $0 | None | not stated | not stated | One rate | |
| Marquee Money Market | 2.37% | $0 | $10,000 | None | not stated | not stated | Tiered | |
| Preferred Money Market | 0.15% | $0 | $10,000 | None | not stated | not stated | Tiered | |
| IRA | ||||||||
| IRA Variable | 0.05% | $250 | $0 | None | not stated | not stated | One rate | |
| Business | ||||||||
| Business Sweep | 0.20% | not stated | $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 |
|---|---|---|---|---|---|
| 90-Day CD | 3 months | 0.05% | $1,000 | not stated | not stated |
| 6-Month CD | 6 months | 0.10% | $1,000 | not stated | not stated |
| 7-Month CD | 7 months | 3.50% | $1,000 | not stated | not stated |
| 9-Month Investment Saver | 9 months | 0.15% | $1,000 | not stated | not stated |
| 9-Month CD | 9 months | 0.15% | $1,000 | not stated | not stated |
| 10-Month CD | 10 months | 0.15% | $1,000 | not stated | not stated |
| 11-Month CD | 11 months | 0.15% | $1,000 | not stated | not stated |
| 12-Month CD | 12 months | 0.15% | $1,000 | not stated | not stated |
| 15-Month CD | 15 months | 3.25% | $1,000 | not stated | not stated |
| 18-Month Investment Saver | 18 months | 0.20% | $1,000 | not stated | not stated |
| 18-Month CD | 18 months | 0.20% | $1,000 | not stated | not stated |
| 23-Month Investment Saver | 23 months | 0.25% | $1,000 | not stated | not stated |
| 23-Month CD | 23 months | 0.25% | $1,000 | not stated | not stated |
| 24-Month CD | 24 months | 0.25% | $1,000 | not stated | not stated |
| 30-Month CD | 30 months | 0.30% | $1,000 | not stated | not stated |
| 33-Month CD | 33 months | 1.99% | $1,000 | not stated | not stated |
| 36-Month CD | 36 months | 0.35% | $1,000 | not stated | not stated |
| 48-Month CD | 48 months | 0.40% | $1,000 | not stated | not stated |
| 60-Month CD | 60 months | 0.50% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Available in OH |
|---|---|
| Footprint | 11 branches in OH |
| Eligibility | not stated |
How The Old Fort Banking Company behaves over time
Every observation of the advertised Regular Savings rate in the last 12 months was 0.05% (observed through Sep 2, 2026). The series includes promotional tiers where one applied.
Banksparency observed no cuts to The Old Fort Banking Company's advertised savings rate in the last 12 months, a period with 3 Federal Reserve cuts.
Recent rate changes, as observed
- Obs. Aug 1, 202618-Month Investment SaverRaise:0.15%to0.20%
- Obs. Aug 1, 202623-Month Investment SaverRaise:0.15%to0.25%
- Obs. Jul 1, 202618-Month Investment SaverCut:0.20%to0.15%
- Obs. Jul 1, 202623-Month Investment SaverCut:0.25%to0.15%
- Obs. Jul 1, 2026Preferred Money MarketCut:0.15%to0.10%
- Regular Savings
- The same as 90 days ago.
- 7 months CD
- The same as 90 days ago.
- Marquee Money Market
- The same as 90 days ago.
$10,000 at the 0.05% APY The Old Fort Banking Company advertises on Regular Savings grows to $10,005 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 $9,680 does today. See how the federal funds rate shapes savings rates.
The Old Fort Banking Company CD rates over time
Who is The Old Fort Banking Company?
| Headquarters | Old Fort, OH |
|---|---|
| Founded | 1916 |
| Scale | $854M assets · $792M deposits, $611M of it interest-bearing (Q1 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 10255 |
Financial detail is in What The Old Fort Banking Company pays on deposits above.
Common questions about The Old Fort Banking Company
Is The Old Fort Banking Company FDIC insured?
Yes. The Old Fort Banking Company is FDIC insured under certificate 10255, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at The Old Fort Banking Company?
The Old Fort Banking Company requires no minimum deposit to open its Regular Savings account, as observed on Sep 2, 2026. Check the bank's current terms before you open an account.
Does The Old Fort Banking Company have branches?
Yes. The Old Fort Banking Company operates 11 branches according to FDIC branch records, in addition to its website and mobile apps.
The Old Fort Banking Company against its closest alternatives
| Bank | Savings APY | Rate paid (Q1 2026) | Min deposit | Branches |
|---|---|---|---|---|
| The Old Fort Banking Company | 2.37% | 1.95% | $0 | 11 branches in OH |
| Charles River Bank | 0.25% | 1.97% | $1,000 | 4 branches in MA |
| Exchange State Bank | 1.00% | 2.00% | $2,500 | 3 branches in IA |
| First Federal Savings and Loan Association of Lakewood | 0.20% | 2.59% | $25 | 21 branches in OH |
Alternatives are the three tracked banks whose highest savings APY is closest to The Old Fort Banking Company's.
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