Open a High-Yield Relationship Savings Account Online
Huntington Relationship Savings is a high-yield savings account, earning competitive interest on all balances above $0.01. Plus, you can earn an even better interest rate when you maintain an average daily balance of $5,000.
Relationship Savings Account Features
Earn Interest
Earn a competitive interest rate on all balances above $0.01.
No Monthly Maintenance Fee
With an average daily balance of $2,500 or when you have an Asterisk-Free Checking®, Perks Checking®, or Platinum Perks Checking®; otherwise $10¶.
Relationship Rate Benefit
Access a better interest rate when you also have a Perks Checking or Platinum Perks Checking account.≠
FDIC-Insured Savings
Our Relationship Savings Account is FDIC insured up to customer’s applicable limits.
Compare Relationship Savings Interest Rates
Your rate is based on the 43215 ZIP code.
Rates effective as of Thursday, May 22, 2025.
| 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
$4,999.99 |
0.01%
|
0.01%
|
0.02%
|
0.02%
|
0.02%
|
0.02%
|
0.06%
|
0.06%
|
|
|
$5,000.00 to
$2,000,000.99 |
3.20%
|
3.24%
|
3.25%
|
3.29%
|
3.25%
|
3.29%
|
3.25%
|
3.29%
|
|
|
$2,000,001.00 to
$99,999,999,999.99 |
0.01%
|
0.01%
|
0.02%
|
0.02%
|
0.02%
|
0.02%
|
0.06%
|
0.06%
|
|
AVOID THE MONTHLY MAINTENANCE FEE WHEN THE AVERAGE DAILY BALANCE IS AT LEAST $2,500.00 OR YOU OWN A QUALIFYING CHECKING ACCOUNT. MINIMUM BALANCE TO EARN INTEREST IS $0.01 AND MUST BE NEW MONEY TO HUNTINGTON. "NEW MONEY" IS DEFINED AS MONEY THAT IS NOT CURRENTLY ON DEPOSIT IN ANY HUNTINGTON ACCOUNT (EXCEPT MATURING CONSUMER CDS). HUNTINGTON RESERVES THE RIGHT TO ADJUST THE RATE IF NEW MONEY REQUIREMENTS ARE NOT MET. *ANNUAL PERCENTAGE YIELD(APY) ACCURATE AS OF EFFECTIVE DATE STATED ABOVE. RATE IS VARIABLE AND MAY CHANGE AT ANY TIME AFTER ACCOUNT IS OPENED. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. **YOU QUALIFY FOR THESE INTEREST RATES AND APYS AS LONG AS YOU HAVE AN OPEN HUNTINGTON PERKS CHECKING ACCOUNT. ***YOU QUALIFY FOR THESE INTEREST RATES AND APYS AS LONG AS YOU HAVE AN OPEN HUNTINGTON PLATINUM PERKS CHECKING ACCOUNT. ****YOU QUALIFY FOR THESE INTEREST RATES AND APYS AS LONG AS YOU HAVE AN OPEN PRIVATE CLIENT ACCOUNT. IF A QUALIFYING CHECKING ACCOUNT IS NOT MAINTAINED, THE HUNTINGTON RELATIONSHIP SAVINGS ACCOUNT WILL EARN THE LOWER, NON-RELATIONSHIP RATE. WE RESERVE THE RIGHT TO LIMIT ACCEPTANCE OF DEPOSITS GREATER THAN $2,000,000.00. MEMBER FDIC.
Relationship Savings Account Tools
All of our savings customers get access to products and tools built on automatic saving, flexibility, and simple financial management.
Comparing High-Yield Savings Rates
Three important things to consider when comparing high-yield savings rates:
- What’s the maintenance fee?
At Huntington, you can get a no-maintenance-fee high-yield savings account if you also have a qualifying checking account or maintain an average daily 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 daily balance at Huntington but, remember, you must at least have one penny in the savings account to earn interest. And, when you maintain an average daily balance of $5,000, you can receive an even better interest rate
Savings Calculators
Let us look out for you
Related Resources
The difference between a checking and savings account can seem confusing. Huntington is here to help you understand the differences between a checking and a savings account and how both could help you manage your finances.
Relationship Savings Account FAQs
Answer: A high-yield savings account pays more interest on the balance of your account compared to our other savings accounts. Other than that, a high-yield savings account works much like a traditional savings account—it’s a safe place to store your money and earn interest to help grow your personal wealth.
Answer: At Huntington, our Relationship Savings Account is a high-yield savings account, meaning you're eligible for a better interest rate when you also have a Perks Checking or Platinum Perks Checking account≠.
To open a Relationship Savings account, a minimum deposit of $100 is required. Once open, earn interest on your balance and enjoy unlimited transfers from your checking to your savings account.
Answer: For most savings accounts, interest is compounded. When interest is compounded, it means that you earn interest on your initial deposit, any additional deposits that you’ve made, and any interest that you have earned, assuming you haven’t withdrawn any money. Our interest rate varies based upon the average daily balance of the account, and whether you have any other accounts with Huntington.
Answer: The minimum balance to open a Relationship Savings account is $100, so be prepared to make a deposit when you open the account. You also need to provide two forms of documentation to confirm your identity. If you’re applying for a joint savings account, you’ll need the same information for the other applicant.
Acceptable Forms of IDs for Banks:
- Driver’s license
- REAL ID card
- DoD ID card (also known as Department of Defense ID Card)
- Passport
- Social security card
Answer: Yes. Applying for a savings account online is quick, easy, and secure—it takes about 10 minutes. To apply, keep in mind you’ll need access to documentation to confirm your identity.
Apply Online in Five Steps:
- Navigate to the Relationship Savings application
- Enter your profile information
- Complete your account usage details
- Choose your service
- Review your account opening documents
Answer: Huntington is an FDIC insured bank, which means the money in your savings account is safe up to applicable limits ($250,000 per depositor, per relationship category).
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Your interest rates and APY will be determined based on your zip code.
¶ Minimum balance. Minimum average daily balance to avoid the monthly maintenance fee without a qualifying account is $2,500. Minimum balance to earn interest is $0.01.
≠ Relationship Rate Benefit. The interest rate on your Relationship Money Market or Relationship Savings Account will be better when you also own a Huntington Perks Checking® Account or Huntington Platinum Perks Checking® Account. Ask a banker to see a rate sheet for details.
§ Overdraft Protection. 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.
‡ 24-Hour Grace. 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 Zone®. Learn more at huntington.com/SafetyZone and huntington.com/Grace.
† Money Scout. 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®, Money Scout®, $50 Safety Zone®, Asterisk-Free Checking®, Huntington Perks Checking®, and Huntington Platinum Perks Checking® are federally registered service marks of Huntington Bancshares Incorporated. Savings Goal Getter℠ is a service mark 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.