Relationship Savings: Higher Interest Savings Account

Our higher interest-bearing savings account.

Features include:

  • No monthly maintenance fee when you also own a Huntington Perks Checking or Huntington Platinum Perks Checking account; otherwise $10.
  • Unlimited transfers from your checking to your savings account
  • Access to relationship rates with a Perks Checking or Platinum Perks Checking account
  • FDIC insured up to customer's applicable limits

Apply Now    See all features & fee information

Innovations designed to help take care of your money.

All of our savings customers get access to products and tools built on automatic saving, forgiveness, and simple financial management.

Savings Goal GetterSM

Set financials goals, big or small—we'll show you how much you can save to get there and track your progress along the way.

Money Scout®

When you enroll, Money Scout analyzes your spending habits, income, and upcoming expenses to find money you’re not using in your checking account—from $5 to $50—and moves it to your savings, automatically.

24-Hour Grace®

Our 24-Hour Grace® feature is designed to give you more time to make a deposit in order to help avoid an overdraft or return fee.

Overdraft Protection

With Deposit-to-Deposit Overdraft Protection, if your checking account overdraws, we can transfer funds from a linked account. For free. Some limitations apply.§

phone alert

Email & Text Alerts

Our free alerts provide real-time updates on your accounts. Message and data charges may apply.

Mobile Banking

Check your balance, transfer money, and even deposit checks for free from your phone, tablet or desktop computer.

Relationship Savings Account Features

Earn Interest

On all balances above $0.01.

Relationship rate benefit

When you also have a Perks Checking or Platinum Perks Checking account.


No Monthly Maintenance Fee

When you have either a Perks Checking or Platinum Perks Checking account or with an average daily balance of $2,500; otherwise $10.


Compare Relationship Savings Interest Rates

Your rate is based on the 60446 ZIP code.

Rates effective as of Tuesday, October 04, 2022.

Rate Table
Non-Relationship Rate With Huntington Perks Checking** With Huntington Platinum Perks Checking*** With Private Client Account****
Balance
Interest Rate
APY*
Interest Rate
APY*
Interest Rate
APY*
Interest Rate
APY*
$0.01 to
$2,499.99
0.01%
0.01%
0.02%
0.02%
0.02%
0.02%
0.06%
0.06%
$2,500.00 to
$9,999.99
0.01%
0.01%
0.02%
0.02%
0.02%
0.02%
0.06%
0.06%
$10,000.00 to
$24,999.99
0.01%
0.01%
0.02%
0.02%
0.02%
0.02%
0.06%
0.06%
$25,000.00 to
$99,999,999,999.99
0.01%
0.01%
0.02%
0.02%
0.02%
0.02%
0.06%
0.06%

MINIMUM BALANCE TO AVOID MONTHLY MAINTENANCE FEE WITHOUT A QUALIFYING CHECKING ACCOUNT IS $2,500.00. MINIMUM BALANCE TO EARN INTEREST IS $0.01. *ANNUAL PERCENTAGE YIELD (APY) ACCURATE AS OF EFFECTIVE DATE STATED ABOVE. RATES MAY CHANGE AFTER ACCOUNT IS OPENED. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. **YOU ARE ELIGIBLE FOR THESE INTEREST RATES AND APYS WITH A QUALIFYING, OPEN HUNTINGTON PERKS CHECKING ACCOUNT. ***YOU ARE ELIGIBLE FOR THESE INTEREST RATES AND APYS WITH A QUALIFYING, OPEN HUNTINGTON PLATINUM PERKS CHECKING ACCOUNT. ****YOU ARE ELIGIBLE FOR THESE INTEREST RATES AND APYS WITH A QUALIFYING, OPEN PRIVATE CLIENT ACCOUNT. HUNTINGTON(R) IS A FEDERALLY REGISTERED SERVICE MARK OF HUNTINGTON BANCSHARES INCORPORATED. MEMBER FDIC.


Savings Rates

Three important things to consider when comparing high-interest savings rates:

  1. What’s the maintenance fee?
    At Huntington, you can get a no-maintenance-fee high-interest savings account if you also have a qualifying checking account or maintain a minimum balance of $2,500.
  2. What’s the minimum balance to earn interest?
    At Huntington, you start earning interest on our savings accounts with your first penny. Just $0.01 is needed to start earning interest.
  3. What’s the required average daily balance?
    $0. Really. Zero. There’s no required average daily balance at Huntington but, remember, you must at least have one penny in the savings account to earn interest, and you can earn more competitive interest rates as you grow your savings account balance.

Savings Calculators

Rate Calculator

Does the interest rate impact my savings?

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Reduced Spending

How much can I save by reducing my spending?

Open Calculator

Savings Calculator

How much can I expect to save over time?

Open Calculator


Choose the checking account that's right for you.

Three accounts that are uniquely different. Just like you.

Compare Checking Accounts

Still not sure which savings account is best for you?

Three accounts all with interest that keeps your money working 24 hours a day.

Compare Savings Accounts

Your interest rates and APY will be determined based on your zip code. Please note: If you are an existing Huntington customer with an address outside of our eleven-state footprint, your interest rates and APY will be determined based on a Columbus, OH, regional zip code.

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Minimum balance to avoid the monthly maintenance fee without a qualifying account is $2,500. Minimum balance to earn interest is $0.01.

The interest rate on your Relationship Money Market or Relationship Savings Account will be better when you also own a Huntington Perks CheckingSM Account or Huntington Platinum Perks CheckingSM Account. Ask a banker to see a rate sheet for details.

§Money can be automatically transferred (if you have enough money in your linked account) to cover overdrafts and returns in increments of $100. The transfer fee is $0.

Your account will be automatically closed if it remains negative in any amount for 60 days, including if your account is overdrawn within our $50 Safety ZoneSM. Learn more at huntington.com/SafetyZone and huntington.com/Grace.

Money Scout automatically schedules transfers from your selected checking account and credits your selected savings account. A money market account (MMA) cannot be a selected savings account for use with Money Scout. A scheduled transfer may be canceled before midnight ET on the day it is scheduled. Transfer amounts and frequency may vary and will reduce the money available in your account to cover other transactions. You are responsible for ensuring your account has sufficient funds. You may be charged overdraft fees if your account falls below -$50. Subject to eligibility, terms and conditions, and other account agreements.

24-Hour Grace® and Money Scout® are federally registered service marks of Huntington Bancshares Incorporated. Huntington Perks Checking℠, Huntington Platinum Perks Checking℠, and Savings Goal Getter℠ are service marks of Huntington Bancshares Incorporated. The 24-Hour Grace® system and method is patented. U.S. Pat No. 8,364,581, 8,781,955, 10,475,118, and others pending.