Highest IRA Savings Account Rates in Ohio
21 Ohio-specific products
Top Ohio Rate:3.15% APYFDIC or NCUA Insured
The Ohio market
Ohio accounts
21
Institutions
20
Top Ohio APY
3.15% APY
Nationally: 2.00% APY
FDIC national average
0.37%
As of Sep 2026
21 IRA savings accounts are open only to Ohio residents, from 20 institutions. The highest advertised APY among them is 3.15%.
The highest nationally available rate is 2.00% APY, 115 basis points below the Ohio leader.
11 of the 21 Ohio IRA savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Ohio-Specific IRA Savings Accounts
IRA Savings accounts specifically available to Ohio residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | The First Central National Bank of St. Paris Individual Retirement Account 3.15%APY Observed: Oct 7, 2026 Show Details | +$315per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #2 | Show Details | +$303per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $500 | |
| #3 | Show Details | +$303per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $500 | |
| #4 | The First National Bank of Pandora Variable Rate Retirement Account (IRA) 2.78%APY Observed: Oct 13, 2026 Show Details | +$278per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #5 | Show Details | +$207per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #6 | Show Details | +$203per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #7 | Show Details | +$75per year | We could not confirm: minimum deposit. Features No MinimumsIn-Person Access | N/A | |
| #8 | Show Details | +$75per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #9 | Show Details | +$50per year | We could not confirm: minimum deposit. Features No MinimumsIn-Person Access | N/A | |
| #10 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $250 | |
| #11 | THE VINTON COUNTY NATIONAL BANK Savings IRA Up to0.40%APY Needs at least $10,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$40per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #12 | Show Details | +$25per year | We could not confirm: minimum deposit. Features No MinimumsIn-Person Access | N/A | |
| #13 | Show Details | +$20per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #14 | Show Details | +$10per year | We could not confirm: minimum deposit. Features No MinimumsIn-Person Access | N/A | |
| #15 | Conneaut Savings Bank IRA Savings Up to0.20%APY Relationship rate · 0.10% without the relationship Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #16 | Show Details | +$10per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #17 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #18 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $0 | |
| #19 | THE HOME LOAN SAVINGS BANK IRA Savings Account Up to0.10%APY Needs at least $50,000 Min. balance: $500 Observed: Oct 3, 2026 Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $500 | |
| #20 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $250 | |
| #21 | Show Details | +$3per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A |
#1
The First Central National Bank of St. Paris
Individual Retirement Account
+$315
per year
3.15% 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 Hide Details
| Min. Deposit | $100 |
| 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
StableNo rate changes in last 7 days
Official SiteThe First Central National Bank of St. Paris
Direct Link to Product Page (Not Sponsored)
#2
Farmers & Merchants Bank
Roth IRA Variable Rate
+$303
per year
3.03% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $500 |
| Min. Balance | N/A |
| 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
StableNo rate changes in last 30 days
#3
Farmers & Merchants Bank
Self Directed IRA Variable Rate
+$303
per year
3.03% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $500 |
| Min. Balance | N/A |
| 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
StableNo rate changes in last 30 days
#4
The First National Bank of Pandora
Variable Rate Retirement Account (IRA)
+$278
per year
2.78% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The term is 18 months and the rate is variable, so it can change after the account is opened.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| 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
StableNo rate changes in last 30 days
#5
The First National Bank of Blanchester
TDOA IRA
+$207
per year
2.07% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6530) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Rate Increased
+0.67%
Since 30 days ago#6
The Fort Jennings State Bank
Retirement Accts
+$203
per year
2.03% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13209) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#7
COMMUNITY FIRST
IRA Money Market Account
+$75
per year
0.75% APY
Oct 4, 2026
No MinimumsIn-Person Access
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 | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
#8
The Apple Creek Banking Company
IRA
+$75
per year
0.75% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 737) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#9
CENTURY
IRA Savings
+$50
per year
0.50% APY
Oct 7, 2026
No MinimumsIn-Person Access
What to Watch
Variable rate. The APY can change at any time.
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 | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
#10
Kentucky Farmers Bank Corporation
IRA Variable Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $250 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 267) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#11
THE VINTON COUNTY NATIONAL BANK
Savings IRA
+$40
per year
0.40% APY
Oct 7, 2026
Needs at least $10,000
APY Range: 0.10% – 0.40%
FDIC InsuredNo MinimumsIn-Person Access
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
StableNo rate changes in last 30 days
#12
EDUCATIONAL COMMUNITY ALLIANCE
IRA Savings
+$25
per year
0.25% APY
Oct 4, 2026
No MinimumsIn-Person Access
What to Watch
Variable rate. The APY can change at any time.
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 | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
#13
Portage Community Bank
Community Savings IRA
+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
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
StableNo rate changes in last 30 days
#14
CINCINNATI OHIO POLICE
IRA Savings
+$10
per year
0.10% APY
Oct 7, 2026
No MinimumsIn-Person Access
What to Watch
Variable rate. The APY can change at any time.
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 | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
#15
Conneaut Savings Bank
IRA Savings
+$10
per year
0.20% APY
Oct 7, 2026
Relationship rate · 0.10% without the relationship
APY Range: 0.10% – 0.20%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A higher rate applies with an active Great Relationship or Great Relationship Plus account at the bank.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28677) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#16
Heritage Bank, Inc.
IRA Savings Account
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
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: 33119) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#17
The Peoples Savings Bank
IRA Statement Savings
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29975) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#18
Main Street Bank Corp.
IRA Statement Savings
+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29847) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#19
THE HOME LOAN SAVINGS BANK
IRA Savings Account
+$5
per year
0.10% APY
Oct 3, 2026
Needs at least $50,000
APY Range: 0.05% – 0.10%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $500 |
| 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
No movement is shown for an “Up to” rate.
#20
The Old Fort Banking Company
IRA Variable
+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $250 |
| 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
Very StableNo rate changes in last 90 days
#21
The Bank of Magnolia Company
IRA Variable
+$3
per year
0.03% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 2300) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
Nationally Available IRA Savings Accounts
The 3 highest-rate ira savings accounts available nationwide, including in Ohio.
| Institution | Product / Term | APY |
|---|---|---|
| nbkc Bank | Personal IRA Savings | 2.00% |
| Synchrony Bank | IRA Money Market Account | 2.00% |
| Carver Bank | Savings Liquit IRA | 0.10% |