--- title: Best Banks and Credit Unions in Ohio for 2025 description: Money looked at dozens of financial institutions to find the best banks and credit unions in Ohio. editors: - name: Jordan Chussler role: Editor, Investing and Banking url: https://money.com/author/jordan-chussler/ bio: Jordan is an investment editor who specializes in topics ranging from traditional equities, retirement savings and income investing to alternative assets and commodities, specifically focusing on gold and other precious metals. He combines his personal interests and professional experience in finance and education to help readers increase their financial literacy and make better investment choices. Jordan is a Certified Personal Finance Counselor. education: Lynn University certifications: Certified Personal Finance Counselor at_money_since: 2023 articles: 131 covers: - Banking - Credit - Credit Cards - Economy and Politics - Housing - Identity Theft - Insurance - Investing - Loans - Mortgages - Personal Finance - Professional Services - Retirement also_seen_in: - Weiss Ratings - 24/7 Wall Street - Better Investing - Yahoo Finance - Nasdaq - Investing.com - Marketbeat - MSN Money social: - https://www.linkedin.com/in/jordan-chussler-b3597811/ published: '2024-10-08T15:10:12.000Z' modified: '2024-12-26T14:40:17.000Z' section: Banking tags: - Best - Best Banks 2024-2025 word_count: 673 canonical: https://money.com/best-banks-and-credit-unions-ohio/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Illustration of the state of OH](https://img.money.com/2024/09/Best-Banks-2024-Ranking-States-OH.jpg) ## Our Partners ### TOP PARTNER ![View Rates](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [View Rates](https://money.com/go/0d2f5e462e26?ap_referrer=%2Fbest-banks-and-credit-unions-ohio%2F&bidid=4079612710&ptid=667296157&ptoken=211f9db0143736b28b1ac1a6f97204f5&zip=20149) **Earn up to 3.10% APY\* & up to $50 or $400 with direct deposit\*** - Limited Time Offer - +0.90% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts. Terms apply.8 - $0 min. balance to earn APY - Open Checking & Savings Accounts with 1 Sign Up - Up to 2-Day-Early Paycheck3 - Access additional FDIC insurance up to $3M on deposits4 - No Account Fees5 & No-fee Overdraft Coverage6 \*Terms Apply **\[AFFILIATE LINK: Open SoFi Account Today\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/7510/medium_8a6feaaf-bb2a-4668-a20d-603241767f86.png) Our Partner [View Rates](https://money.com/go/75a74bc1c3e3?ap_referrer=%2Fbest-banks-and-credit-unions-ohio%2F&bidid=4079612708&ptid=667296157&ptoken=30e807c0bfd17a6a3496f3e4ef06ee77&zip=20149) **Earn up to 3.65% APY\* on qualifying balances with a Barclays' Tiered Savings account** - $200 Bonus with qualifying activities. Terms Apply. - No monthly maintenance fees - Easy direct deposits & online transfers - Member FDIC \*Rate as of 6/24/2026 **\[AFFILIATE LINK: View Barclays Offer\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/38558/medium_9a7de13e-ef66-4a9d-9afd-0d742334c0be.webp) Our Partner [View Rates](https://money.com/go/cb30e4b2d817?ap_referrer=%2Fbest-banks-and-credit-unions-ohio%2F&bidid=4079612712&ptid=667296157&ptoken=e9e28fe628602732e6b902f6dfc4fc55&zip=20149) **Earn 4.10% APY\* for 6 months with $5k min. balance** - $5,000 min. balance to earn top APY - $100 minimum deposit to open an account - No account opening or monthly service fees - Member FDIC \*Boosted rate for 6 months; 3.75% APY after. Enter promo code CITBOOST for APY bonus. Rate as of 07/01/2026. **\[AFFILIATE LINK: View CIT Bank Offer\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/35396/medium_03f248f6-d7f4-4da6-8f13-322fce5d1be2.webp) Our Partner [View Rates](https://money.com/go/fa2fcd423788?ap_referrer=%2Fbest-banks-and-credit-unions-ohio%2F&bidid=4079612714&ptid=667296157&ptoken=7a85402f9c7fd9f27ed39791c89d20a7&zip=20149) **Earn 3.80% APY\* with an Openbank High Yield Savings account** - $500 minimum opening deposit - Keep more of your money with no fees - Trusted device security with quick face or fingerprint login - Member FDIC, Santander Bank, N.A. \*Rate as of 8/24/2026 **\[AFFILIATE LINK: View Openbank Offer\]** If you live in the Buckeye State, you have many banking options, from small community banks to credit unions and national banks. To help you find the best option for you, Money researched leading financial institutions, analyzing their account offerings, annual percentage yields (APYs), fees and rates. Based on that information, we identified the best banks and credit unions in Ohio for 2024-2025: - [****KeyBank****](#keybank) - Best Overall - [****Fifth Third Bank****](#fifththird) - Best for Checking Accounts - [****Huntington Bank****](#huntington) - Best for Money Market Accounts - [****PNC****](#pnc) - Best for CDs - [****Park National Bank****](#park) - Best for Seniors \**Rates and APYs are subject to change. All information provided was accurate as of Oct. 8, 2024.* ## Open a High-Yield Savings Account today and start earning interest ### Take advantage of an FDIC insured, High-Yield Savings Account from SoFi®. Click on your state and find out more. [View Rates](https://money.com/pr/b6d40efa5682?ap_referrer=%2Fbest-banks-and-credit-unions-ohio%2F) ## Best Overall: KeyBank ![](https://s3.consumersadvocate.org/prd/image/image/25834/large_e8817d3c-dbc5-4c35-8584-5ed8173f4db0.png) [View Rates](https://money.com/pr/i578dd2da5fe?ap_referrer=%2Fbest-banks-and-credit-unions-ohio%2F&url=) [KeyBank](https://money.com/pr/l1ec16abeffb?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-ohio%252F) has a strong presence in Ohio, with over 100 branches within the state. It has a variety of deposit accounts, including free check, interest-bearing checking and high-yield accounts. Through KeyBank, your money can earn a higher-than-usual rate on money market accounts, and there are specialized account options for seniors and students. The downside? KeyBank's money market accounts have a $5,000 account minimum, which is a higher requirement than some banks have, and KeyBank does charge monthly fees on most accounts. **Pros** - Multiple checking options, including interest-bearing accounts - Checking options for seniors and students - High APY on money market accounts **Cons** - High minimum deposit requirement for money market accounts - Monthly fees apply to most accounts ## Best for Checking Accounts: Fifth Third Bank ![](https://s3.consumersadvocate.org/prd/image/image/25750/large_80dc1ff2-46f0-424f-99f7-7effe2657c86.png) [View Rates](https://money.com/pr/mba877685e75?ap_referrer=%2Fbest-banks-and-credit-unions-ohio%2F&url=) [Fifth Third Bank](https://money.com/pr/b86e9281f6bb?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-ohio%252F) has free checking accounts, meaning accounts without monthly fees, and you don't have to worry about meeting minimum deposit or balance requirements. The free accounts include perks like identity theft monitoring, and you also get access to a network of over 40,000 ATMs. Fifth Third Bank has a low minimum deposit requirement for its long-term CDs; you can open an account with as little as $500. However, promotional CDs require a much more substantial upfront investment — you'll need at least $5,000 to get started. **Pros** - Free checking accounts without balance or deposit requirements - Broad branch and ATM network - Low minimum deposit for CDs **Cons** - For some accounts, rates aren't disclosed online - High deposit requirement for promotional rates ## Best for Money Market Accounts: Huntington Bank ![](https://s3.consumersadvocate.org/prd/image/image/25778/large_05ec63d4-6c1c-4fe4-8d88-225b9e50a019.png) [View Rates](https://money.com/pr/z6aebc8d4d8c?ap_referrer=%2Fbest-banks-and-credit-unions-ohio%2F&url=) If you want to grow your money with a money market account, [Huntington Bank](https://money.com/pr/h65451fcdb24?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-ohio%252F) offers account options with APYs that are about 10 times higher than the national average. If you maintain a balance of at least $25,000, you can qualify for a fee waiver, too. Besides money market accounts, the bank has many other account options, including free checking accounts and CDs. However, the highest rates are dependent on an existing Huntington Bank account, so non-customers may not get the best-possible APY. **Pros** - Higher-than-usual APYs on money market accounts - Fee waivers available - Free checking options **Cons** - Highest rates require an existing Huntington Bank account - Accounts with balances under $25,000 won't earn interest ## Best for CDs: Best CDs ![](https://s3.consumersadvocate.org/prd/image/image/8109/large_334c78a9-8089-450d-af68-0348d02e39eb.png) [View Rates](https://money.com/pr/g635fd985f2a?ap_referrer=%2Fbest-banks-and-credit-unions-ohio%2F&url=) [PNC](https://money.com/pr/yff9267a6af4?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-ohio%252F) operates brick-and-mortar branches, but it also offers useful digital banking options. You can open a high-yield CD online, and if you select one of the promotional terms, you can qualify for an APY that is significantly higher than the national average. PNC has a lower required deposit minimum than other banks; you can open a CD with just $1,000. However, its checking, savings and money market accounts have monthly fees unless you qualify for a fee waiver. Additionally, PNC has lower APYs on savings accounts than other banks. **Pros** - High APYs on select terms - Variety of CD terms - Relatively low minimum **Cons** - Most deposit accounts have monthly fees - Lower-than-average APY on savings accounts ## Best for Seniors: Best for Seniors ![](https://s3.consumersadvocate.org/prd/image/image/25828/large_a739c1e4-88c1-4578-8adc-d42a51603b8e.png) [View Rates](https://money.com/pr/x7278285b586?ap_referrer=%2Fbest-banks-and-credit-unions-ohio%2F&url=) [Park National Bank](https://money.com/pr/qd5f0d0913ba?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-ohio%252F) has a special program for those ages 50 and older. The program, Freedom Years, offers perks like free checks, money orders, a small safe deposit box, investment analysis and access to special events and seminars. Customers are also entitled to direct access to a personal banker. Customers of all ages can choose between multiple account options, including interest-bearing checking accounts, free checking accounts and youth saving options. Park National Bank doesn't disclose its APYs for its deposit accounts online; you have to visit a branch or call a bank representative for details. Lastly, it has shorter CD term options than other banks. **Pros** - Comprehensive program for seniors - Checking accounts with interest and added perks available - Youth savings accounts available **Cons** - Doesn't disclose APYs online - Limited CD terms ## Compare Savings Accounts rates today ### Up to 2-day-early paycheck ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [Sign Up](https://money.com/go/993a8e03a241?bidid=4079612739&pmeta=p129-c561-u25621&ptid=667296162&ptoken=b924af97c9b065ccb0830392cb625324) ### No monthly maintenance fees ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/7510/medium_8a6feaaf-bb2a-4668-a20d-603241767f86.png) Our Partner [Sign Up](https://money.com/go/45ed805a7a7b?bidid=4079612738&pmeta=p129-c561-u25621&ptid=667296162&ptoken=d6e0d7fba416dc716fcb96077a28b948) ### Open an account in 5 minutes ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/38558/medium_9a7de13e-ef66-4a9d-9afd-0d742334c0be.webp) Our Partner [Sign Up](https://money.com/go/ae39dffd93c4?bidid=4079612740&pmeta=p129-c561-u25621&ptid=667296162&ptoken=be89aaa941b9b918ea1cb3aef2db98b6) ### $500 minimum opening deposit ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/35396/medium_03f248f6-d7f4-4da6-8f13-322fce5d1be2.webp) Our Partner [Sign Up](https://money.com/go/b1836cfc032b?bidid=4079612741&pmeta=p129-c561-u25621&ptid=667296162&ptoken=4bb41b2aab76ad589d561dabbc6c5385) ## How we chose the Best Banks of 2024-2025 To determine our list of best banks for 2024-2025, Money evaluated hundreds of the largest retail banks, credit unions, regional and state banks and online banks ranked by assets. We then compared opening balance requirements, interest paid, fees and features to determine our top picks. We chose the best banks and credit unions in Ohio by researching financial institutions operating in the state and comparing their deposit accounts, APYs, fees, minimum deposit requirements and customer satisfaction ratings. We also took their branch and ATM networks into consideration. 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