Open a Higher Interest Relationship Savings Account Online

Huntington Relationship Savings is our higher interest-bearing savings account. Earn competitive interest on all balances above $0.01 and skip the monthly maintenance fee when you also own a Huntington Perks Checking® or Huntington Platinum Perks Checking® account; otherwise $10.

Open an account online in minutes.

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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 either a Perks Checking or Platinum Perks Checking account; 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 Monday, July 22, 2024.

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
$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
0.01%
0.01%
0.02%
0.02%
0.02%
0.02%
0.06%
0.06%
$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%

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.

Relationship Savings Account Tools

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

Savings Goal Getter

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. Money Scout is not currently available for use with money market accounts.

24-Hour Grace®

We all make mistakes, but our 24-Hour Grace® feature is designed to give you more time to make a deposit in order to help avoid an Overdraft 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§.

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 or tablet.

Comparing High Interest 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 the more you grow your savings account balance, the more interest you'll earn.

Savings Calculators

Interest Rate Comparison Calculator

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Reduced Spending Calculator

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Savings Calculator

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Relationship Savings Account FAQs

Answer: A high interest-bearing savings account pays more interest on the balance of your account compared to our other savings accounts. Other than that, a high interest 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 high interest savings account is a relationship 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 $2,500 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 $2,500, 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
Read more about what’s needed to open a bank account.

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:

  1. Navigate to the Relationship Savings application
  2. Enter your profile information
  3. Complete your account usage details
  4. Choose your service
  5. 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. 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.

 Minimum balance. Minimum 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®, 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.