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Highest Club Savings Account Rates in Ohio
28 Ohio-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Ohio Rate:1.00%

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.

#1

Greenville National Bank

Christmas Club

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No withdrawals are permitted. The club matures in early October.

Show Fine Print & Trends
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13703)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGreenville National Bank

Direct Link to Product Page (Not Sponsored)

#2

The Peoples Savings Bank

Christmas Savings

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29975)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteThe Peoples Savings Bank

Direct Link to Product Page (Not Sponsored)

#3

The First National Bank of McConnelsville

Christmas Club Account

+$60
per year
0.60% APY
Oct 7, 2026

Needs at least $10,000

APY Range: 0.40% – 0.60%
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 6637)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe First National Bank of McConnelsville

Direct Link to Product Page (Not Sponsored)

#4

Citizens Federal Savings and Loan Association

Christmas Club

+$50
per year
0.50% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No withdrawals are allowed. The balance is mailed as a check each year in mid-October.

Show Fine Print & Trends
Min. Deposit$20
Min. Balance$20
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28060)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCitizens Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#5

The Harrison Building and Loan Association

Christmas Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqat maturity
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28080)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Harrison Building and Loan Association

Direct Link to Product Page (Not Sponsored)

#6

Woodsfield Savings Bank

Christmas Club

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32292)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteWoodsfield Savings Bank

Direct Link to Product Page (Not Sponsored)

#7

The Apple Creek Banking Company

E-Christmas Club

+$35
per year
0.35% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. Deposit$0.01
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 737)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Apple Creek Banking Company

Direct Link to Product Page (Not Sponsored)

#8

Minster Bank

Holiday Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 763)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMinster Bank

Direct Link to Product Page (Not Sponsored)

#9

Peoples First Savings Bank

Christmas Club

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account takes deposits only and allows no withdrawals. It matures in October each year.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0.01
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30688)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePeoples First Savings Bank

Direct Link to Product Page (Not Sponsored)

#10

The First Central National Bank of St. Paris

Christmas Club

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate and APY can change at any time.

Show Fine Print & Trends
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15214)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteThe First Central National Bank of St. Paris

Direct Link to Product Page (Not Sponsored)

#11

The First National Bank of Pandora

Vacation Club

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 6671)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe First National Bank of Pandora

Direct Link to Product Page (Not Sponsored)

#12

The First National Bank of Pandora

Christmas Club

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The entire balance is credited to the customer each October.

Show Fine Print & Trends
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 6671)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe First National Bank of Pandora

Direct Link to Product Page (Not Sponsored)

#13

Community Savings

Club Accounts

+$20
per year
0.20% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. Balance$5
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27969)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteCommunity Savings

Direct Link to Product Page (Not Sponsored)

#14

The Citizens National Bank of McConnelsville

Christmas Club

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$10
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 6638)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Citizens National Bank of McConnelsville

Direct Link to Product Page (Not Sponsored)

#15

The Community Bank

Christmas Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5981)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Community Bank

Direct Link to Product Page (Not Sponsored)

#16

The Ohio Valley Bank Company

Christmas Savings

+$10
per year
0.10% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$20
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 384)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Ohio Valley Bank Company

Direct Link to Product Page (Not Sponsored)

#17

The Ohio Valley Bank Company

Vacation Savings

+$10
per year
0.10% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$20
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 384)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Ohio Valley Bank Company

Direct Link to Product Page (Not Sponsored)

#18

THE HOME LOAN SAVINGS BANK

Christmas Club

+$7
per year
0.07% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$5
Min. Balance$25
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29695)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteTHE HOME LOAN SAVINGS BANK

Direct Link to Product Page (Not Sponsored)

#19

First Federal Savings and Loan Association

Christmas Club

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29345)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#20

First Federal Savings and Loan Association

Savings Club

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29090)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#21

Greenville Federal

Christmas Club

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27965)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGreenville Federal

Direct Link to Product Page (Not Sponsored)

#22

Main Street Bank Corp.

Christmas Club Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. Balance$5
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29847)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMain Street Bank Corp.

Direct Link to Product Page (Not Sponsored)

#23

Versailles Savings and Loan Company

Christmas Club

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$5
Min. Balance$0
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28703)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteVersailles Savings and Loan Company

Direct Link to Product Page (Not Sponsored)

#24

Fairfield Federal Savings and Loan Association of Lancaster

Christmas Club Account

+$3
per year
0.03% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The bank closes this account each October and sends the balance to the holder by check.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$1
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27806)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFairfield Federal Savings and Loan Association of Lancaster

Direct Link to Product Page (Not Sponsored)

#25

First Federal Community Bank, National Association

Christmas Club

+$2
per year
0.02% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29787)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Community Bank, National Association

Direct Link to Product Page (Not Sponsored)

#26

First Federal Community Bank, National Association

Vacation Club

+$2
per year
0.02% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29787)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Community Bank, National Association

Direct Link to Product Page (Not Sponsored)

#27

First Federal Savings and Loan Association of Van Wert

Christmas Club

+$1
per year
0.01% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqat maturity
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29135)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Savings and Loan Association of Van Wert

Direct Link to Product Page (Not Sponsored)

#28

Miami Savings Bank

Christmas Club

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32293)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMiami Savings Bank

Direct Link to Product Page (Not Sponsored)