Higher Interest Savings Account
The Benefits of a Relationship Savings Account
Our interest–bearing, benefit-packed savings account.
Relationship rate benefit
When you also have a Huntington 5® or Huntington 25 Checking® account1.
Free checking overdraft protection
When your Huntington checking and savings accounts are linked2.
No monthly maintenance fee
With average daily balance of $2,500 or when you also have a Huntington 5 or Huntington 25 Checking account; otherwise $10.
We all make mistakes, but our 24-Hour Grace® feature is designed to give you more time to make a deposit in order to avoid an Overdraft Fee‡. Learn more.
Our deposit day for ATMs and the Huntington Mobile app is up to midnight, so you don't have to rush to beat an early cut-off time. Learn more.
Our free Alerts provide real-time updates on your accounts. Message and data charges may apply. Learn more.
Check your balance, transfer money, and even deposit checks for free from your phone, tablet or desktop computer. Learn more.
Pay your bills with just a few clicks. Just tell us the payment amount and where to send it, and we'll take care of the rest. For free. Learn More
With Deposit-to-Deposit Overdraft Protections, if your checking account overdraws, we can transfer funds from a linked account. For free. Some limitations apply3. Learn more.
Savings accounts are FDIC insured accounts meant to help grow your money. Savings accounts earn money through interest rates which are compounded and paid on a quarterly basis. Huntington’s Relationship Savings accounts can help you reach your savings goals when you follow these simple tips:
- Set up automatic transfers from your Huntington checking account or ask your employer to split your direct deposit between your checking and savings accounts
- Set up external transfers from other accounts. Growing your balance will help you earn more interest on your savings.
- Start small. Look at your household budget and see what you can comfortably spare.
Savings Rates
There are three important things to consider when comparing high interest savings rates:
- 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. - 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. - 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
Now, when you have both a Huntington savings and checking account, you can enroll in Money Scout℠, our latest innovation.
Introducing Money Scout℠
It analyzes your spending habits, income, and upcoming expenses to find money you’re not using in your checking account —from $5 to $50— then moves it to your savings, automatically†.
Money Scout is not eligible with a Huntington Money Market Account
Compare Relationship Savings Interest Rates
Your rate is based on the 43215 ZIP code.
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 seven-state footprint, your interest rates and APY will be determined based on a Columbus, Ohio, regional zip code.
Rates effective as of Monday, July 26, 2021.
| Non-Relationship Rate | With Huntington 5 Checking** | With Huntington 25 Checking*** | With Private Client Account**** | ||||||
|---|---|---|---|---|---|---|---|---|---|
|
Balance
|
Interest Rate
|
APY*
|
Interest Rate
|
APY*
|
Interest Rate
|
APY*
|
Interest Rate
|
APY*
|
|
|
$0.01 to
$2,499.99 |
0.02%
|
0.02%
|
0.03%
|
0.03%
|
0.05%
|
0.05%
|
0.08%
|
0.08%
|
|
|
$2,500.00 to
$9,999.99 |
0.02%
|
0.02%
|
0.03%
|
0.03%
|
0.05%
|
0.05%
|
0.08%
|
0.08%
|
|
|
$10,000.00 to
$24,999.99 |
0.02%
|
0.02%
|
0.03%
|
0.03%
|
0.05%
|
0.05%
|
0.08%
|
0.08%
|
|
|
$25,000.00 to
$99,999,999,999.99 |
0.02%
|
0.02%
|
0.03%
|
0.03%
|
0.05%
|
0.05%
|
0.08%
|
0.08%
|
|
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 5 INTEREST CHECKING ACCOUNT. ***YOU ARE ELIGIBLE FOR THESE INTEREST RATES AND APYS WITH A QUALIFYING, OPEN HUNTINGTON 25 INTEREST 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.
1The interest rate on your Relationship Money Market or Relationship Savings Account will be better when you also own a Huntington 5 or Huntington 25 Checking Account. Ask a banker to see a rate sheet for details.
2Regulations limit the number of transfers that can be made on savings and on money market accounts during the calendar month or statement cycle. See additional information in the Account Documents.
3For overdraft protection, we'll waive our daily transfer fee if you sign up for our deposit-to-deposit overdraft plan. Regulations limit the number of transfers that can be made on savings and money market accounts.
‡24-Hour Grace does not apply to returned items and their associated fees.
†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 $0. Subject to eligibility, terms and conditions, and other account agreements.
Huntington 5 Checking®, Huntington 25 Checking®, 24-Hour Grace® and 
® are federally registered service marks of Huntington Bancshares Incorporated. All Day Deposit℠, Money Scout℠, 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.
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To speak to a customer service representative, call (800) 480-2265, daily 7:00 a.m. to 7:00 p.m. ET.