Highest Club Savings Account Rates in Ohio
28 Ohio-specific products
The Ohio market
Ohio accounts
28
Institutions
25
Top Ohio APY
1.00% APY
FDIC national average
0.37%
As of Sep 2026
28 club savings accounts are open only to Ohio residents, from 25 institutions. The highest advertised APY among them is 1.00%.
6 of the 28 Ohio club savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Ohio-Specific Club Savings Accounts
Club Savings accounts specifically available to Ohio residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$100per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #2 | Show Details | +$100per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #3 | The First National Bank of McConnelsville Christmas Club Account Up to0.60%APY Needs at least $10,000 Observed: Oct 7, 2026 Show Details | +$60per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #4 | Citizens Federal Savings and Loan Association Christmas Club 0.50%APY Min. balance: $20 Observed: Oct 3, 2026 Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $20 | |
| #5 | Show Details | +$50per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #6 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #7 | Show Details | +$35per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0.01 | |
| #8 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #9 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #10 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #11 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #12 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #13 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #14 | The Citizens National Bank of McConnelsville Christmas Club 0.15%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #15 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #16 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $20 | |
| #17 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $20 | |
| #18 | Show Details | +$7per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #19 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #20 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #21 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #22 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #23 | Versailles Savings and Loan Company Christmas Club 0.05%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #24 | Fairfield Federal Savings and Loan Association of Lancaster Christmas Club Account 0.03%APY Min. balance: $1 Observed: Oct 7, 2026 Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #25 | First Federal Community Bank, National Association Christmas Club 0.02%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$2per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #26 | First Federal Community Bank, National Association Vacation Club 0.02%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$2per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #27 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #28 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 |
Greenville National Bank
Christmas Club
What to Watch
No withdrawals are permitted. The club matures in early October.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13703) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Peoples Savings Bank
Christmas Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29975) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The First National Bank of McConnelsville
Christmas Club Account
Needs at least $10,000
What to Watch
Early withdrawals are generally not permitted. If an exception is made for an emergency, a $5 withdrawal fee applies to close the club account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6637) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Citizens Federal Savings and Loan Association
Christmas Club
What to Watch
No withdrawals are allowed. The balance is mailed as a check each year in mid-October.
Show Fine Print & Trends Hide Details
| Min. Deposit | $20 |
| Min. Balance | $20 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28060) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
The Harrison Building and Loan Association
Christmas Savings
What to Watch
Partial withdrawals are not allowed. The account runs from October to October of the next year, and interest is credited at maturity.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | at maturity |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28080) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Woodsfield Savings Bank
Christmas Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 32292) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Apple Creek Banking Company
E-Christmas Club
What to Watch
The account runs to a fiftieth payment and pays out at maturity. Taking the money before the fiftieth payment costs $10.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0.01 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 737) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Minster Bank
Holiday Savings
What to Watch
No withdrawals are permitted before the annual payout. At maturity the balance is transferred automatically to another Minster Bank account. Interest that has accrued is not paid if the account is closed before the payout.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 763) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Peoples First Savings Bank
Christmas Club
What to Watch
The account takes deposits only and allows no withdrawals. It matures in October each year.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30688) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The First Central National Bank of St. Paris
Christmas Club
What to Watch
Variable rate. The rate and APY can change at any time.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15214) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
The First National Bank of Pandora
Vacation Club
What to Watch
The balance is credited back to the customer each May. Two additional withdrawals are allowed in each calendar year.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6671) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The First National Bank of Pandora
Christmas Club
What to Watch
The entire balance is credited to the customer each October.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6671) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Community Savings
Club Accounts
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 27969) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Citizens National Bank of McConnelsville
Christmas Club
What to Watch
The balance is deposited to your account on November 1. A $5 penalty applies to each withdrawal made from January 1 through October 31.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6638) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
The Community Bank
Christmas Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 5981) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Ohio Valley Bank Company
Christmas Savings
What to Watch
The rate stays in effect until the annual payout. Closing the account before the payout carries a fee of $25.
Show Fine Print & Trends Hide Details
| Min. Deposit | $20 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 384) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Ohio Valley Bank Company
Vacation Savings
What to Watch
The rate stays in effect until the annual payout. Closing the account before the payout carries a fee of $25.
Show Fine Print & Trends Hide Details
| Min. Deposit | $20 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 384) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
THE HOME LOAN SAVINGS BANK
Christmas Club
What to Watch
A $5 fee applies to an early withdrawal from this club account, which is unusual for a savings account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29695) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Federal Savings and Loan Association
Christmas Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29345) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Federal Savings and Loan Association
Savings Club
What to Watch
A holiday savings club account. The interest earned is lost if funds are withdrawn before the payout date.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29090) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Greenville Federal
Christmas Club
What to Watch
Weekly automatic deposits can be scheduled from a Greenville Federal checking or savings account. Each October the balance plus interest is moved into another Greenville Federal account. Closing the account early forfeits the interest.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 27965) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Main Street Bank Corp.
Christmas Club Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29847) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Versailles Savings and Loan Company
Christmas Club
What to Watch
The term is 50 weeks, and no withdrawals are allowed during the term. The interest is paid by check at maturity.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28703) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Fairfield Federal Savings and Loan Association of Lancaster
Christmas Club Account
What to Watch
The bank closes this account each October and sends the balance to the holder by check.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 27806) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
First Federal Community Bank, National Association
Christmas Club
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29787) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
First Federal Community Bank, National Association
Vacation Club
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29787) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
First Federal Savings and Loan Association of Van Wert
Christmas Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | at maturity |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29135) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
Miami Savings Bank
Christmas Club
What to Watch
The account pays out once a year: the bank credits the interest in October and mails the balance as a check. Interest accrued is forfeited if the account is closed before then.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 32293) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |