Highest Health Savings Account (HSA) Rates in Ohio
20 Ohio-specific products
The Ohio market
Ohio accounts
20
Institutions
20
Top Ohio APY
3.04% APY
Nationally: 1.01% APY
FDIC national average
0.37%
As of Sep 2026
20 health savings accounts (HSAs) are open only to Ohio residents, from 20 institutions. The highest advertised APY among them is 3.04%.
The highest nationally available rate is 1.01% APY, 203 basis points below the Ohio leader.
7 of the 20 Ohio health savings accounts (HSAs) advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Ohio-Specific Health Savings (HSA) Accounts
Health Savings (HSA) accounts specifically available to Ohio residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | First Federal Savings and Loan Association of Van Wert Health Savings Account Up to2.02%APY Needs at least $2,500 Observed: Oct 12, 2026 Show Details | +$202per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #2 | Osgood Bank Health Savings Account Up to2.27%APY Needs at least $50,000 Min. balance: $1,000 Observed: Oct 7, 2026 Show Details | +$151per yearEffective: 1.51% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $0 | |
| #3 | First Federal Community Bank, National Association Health Savings Account Up to3.04%APY Needs at least $50,000 Observed: Oct 7, 2026 Show Details | +$100per yearEffective: 1.00% | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #4 | The First Central National Bank of St. Paris Health Savings Account Up to0.75%APY Needs at least $10,000 Min. balance: $1 Observed: Oct 7, 2026 Show Details | +$75per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #5 | Peoples First Savings Bank Health Savings Up to0.50%APY Needs at least $10,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #6 | Citizens Federal Savings and Loan Association Health Savings Account Up to0.60%APY Needs at least $10,001 Min. balance: $20 Observed: Oct 3, 2026 Show Details | +$45per yearEffective: 0.45% | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #7 | Minster Bank Health Savings Account (HSA) Up to0.40%APY Needs at least $25,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$35per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #8 | THE VINTON COUNTY NATIONAL BANK Health Savings Account Up to0.30%APY Needs at least $1,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$30per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #9 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #10 | Show Details | +$25per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #11 | First Federal Savings and Loan Association of Lakewood Health Savings Account Up to0.20%APY Needs at least $5,000 No min. balance for APY Observed: Oct 13, 2026 Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #12 | Show Details | +$20per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #13 | The Apple Creek Banking Company Health Savings Account Up to0.25%APY Needs at least $15,000 Observed: Oct 13, 2026 Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #14 | Show Details | +$15per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #15 | The First National Bank of Pandora Health Savings Account Up to0.11%APY Needs at least $10,000 No min. balance for APY Observed: Oct 13, 2026 Show Details | +$11per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #16 | Show Details | +$7per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #17 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #18 | The Ohio Valley Bank Company My Health - HSA Up to0.10%APY Needs at least $100,000 Observed: Oct 3, 2026 Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #19 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #20 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 |
First Federal Savings and Loan Association of Van Wert
Health Savings Account
Needs at least $2,500
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| 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)
Osgood Bank
Health Savings Account
Needs at least $50,000
What to Watch
The account can be opened with no minimum deposit, but the lowest rate tier begins at a $1,000 daily balance. The bank publishes no rate for balances below that.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9137) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
First Federal Community Bank, National Association
Health Savings Account
Needs at least $50,000
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 | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29787) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Direct Link to Product Page (Not Sponsored)
The First Central National Bank of St. Paris
Health Savings Account
Needs at least $10,000
What to Watch
Variable rate. The rate and APY can change at any time.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $1 |
| 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)
Peoples First Savings Bank
Health Savings
Needs at least $10,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| 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
Citizens Federal Savings and Loan Association
Health Savings Account
Needs at least $10,001
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| 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
No movement is shown for an “Up to” rate.
Direct Link to Product Page (Not Sponsored)
Minster Bank
Health Savings Account (HSA)
Needs at least $25,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| 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
No movement is shown for an “Up to” rate.
THE VINTON COUNTY NATIONAL BANK
Health Savings Account
Needs at least $1,000
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6636) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Farmers & Merchants Bank
Health Savings Account
What to Watch
The monthly maintenance fee applies only to accounts that receive paper statements. It does not apply with e-statements.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9462) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Citizens Bank Company
Health Savings
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 | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10266) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Federal Savings and Loan Association of Lakewood
Health Savings Account
Needs at least $5,000
What to Watch
A one-time $10 set-up fee applies.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29488) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
Portage Community Bank
Health Savings Account
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 | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34760) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Apple Creek Banking Company
Health Savings Account
Needs at least $15,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 737) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
The Wilmington Savings Bank
Health Savings Account
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 | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 31539) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The First National Bank of Pandora
Health Savings Account
Needs at least $10,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | To avoid a monthly service charge of $3.00, keep a $500.00 minimum average daily balance or have a monthly direct deposit into the account. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6671) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Greenville Federal
Health Savings
Needs at least $500
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| 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
THE HOME LOAN SAVINGS BANK
Health Savings Account
What to Watch
The account opens with $50, but it earns interest only on balances of $500 or more.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $500 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29695) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Ohio Valley Bank Company
My Health - HSA
Needs at least $100,000
What to Watch
The service fee on this account is charged quarterly, not monthly, and applies when the average quarterly balance is below $100. Opening the account also carries a one-off set-up fee of $10.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $5.00 quarterly service fee if the average quarterly balance is below $100.00, plus a $10.00 new account set-up fee |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 384) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
The Old Fort Banking Company
Health Savings Account
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: 10255) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Savings Bank
Health Savings (HSA)
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13216) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Nationally Available Health Savings (HSA) Accounts
The 2 highest-rate health savings (hsa) accounts available nationwide, including in Ohio.