April 6, 2024

Huntington Bank Savings Account Interest Rates

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Huntington Bank offers two savings accounts with low APY. Is it still worth it? Read on to find out.

Huntington Bank has two basic savings accounts that can offer great convenience and accessibility.

But, what about the rates? Continue reading to know how much interest you can earn with Huntington savings accounts.

What matters most to you when choosing a savings account?

Huntington Savings Account Interest Rates

Huntington has Premier Savings and Relationship Savings[1]. Both come with low rates: Premier Savings with 0.01% APY and Relationship Savings with up to 0.06% APY.

  • Huntington Premier Savings: Has a $15 overdraft fee and a waivable $4 monthly fee. $50 minimum to open.
  • Huntington Relationship Savings: Has a $15 overdraft fee and a waivable $10 monthly fee. $2,500 minimum to open.

Have you ever picked a bank for other perks despite lower interest rates?

Huntington Premier Savings

Huntington Premier Savings has a 0.01% APY on all balances. It requires a $50 minimum opening deposit and has a maintenance fee of $4[2]. You can have it waived if you have a personal Huntington checking account.

It does have a $15 overdraft fee and a $3.50 fee for out-of-network ATM transactions[3]. But, you can easily access your money at a branch or ATM, or through their highly-rated mobile app.

Huntington Relationship Savings

Huntington Relationship Savings offers slightly better rates up to 0.06% APY. You get to waive the $10 monthly fee when you have any of these accounts:

  • Huntington Perks Checking
  • Huntington Platinum Perks Checking
  • Private Client Account

Otherwise, you need to maintain a $2,500 minimum to avoid it.[4]

It has an opening deposit requirement of $2,500, a $15 overdraft fee, and an out-of-network ATM charge of $3.50.[5] And, it comes with an ATM card and access to their mobile app.

How Much Can You Earn?

Check out this calculator to see how much your money can grow with a Huntington Bank savings account.

Savings Calculator

What banks have 5% high-yield savings accounts?

Can You Lose Money with Huntington Savings?

No, you cannot lose money with either the Premier Savings or Relationship Savings account. Huntington Bank is FDIC-insured (Certificate #6560), so deposits are protected up to $250,000 per depositor, per ownership category.

Hence, you are guaranteed to get your money back should Huntington Bank ever fail or close.

Pros and Cons


  • Access to physical branches
  • Top-rated mobile app
  • FDIC-insured


  • Very low rates
  • $4 monthly fee for Premier Savings
  • $10 monthly fee for Relationship Savings
  • $50 opening deposit for Premier Savings
  • $2,500 opening deposit for Relationship Savings

What would make you choose a savings account with a lower APY?

Should You Open an Account?

Huntington Bank's savings accounts are best for people who prefer the reliability that comes with traditional banking. Although it doesn't have high rates, you get easy access to your funds through both physical branches and an online platform.

It is also a great option for existing Huntington Bank customers because it offers several benefits like waived monthly fees, relationship rates, etc.

How To Open a Huntington Savings Account?

You can visit a Huntington branch, or you can go to their website to open an account. Here's what you should do:

  1. Go to their Savings Accounts page.
  2. Select an account and complete the form.
  3. Fund your account with the minimum required.

For a smoother process, prepare your social security number and a U.S. government or state-issued ID beforehand. [6]

How Huntington Bank Savings Compares

Other Huntington Bank Products

Bottom Line

Huntington Bank offers savings accounts with unimpressive rates. However, it is still a decent option for existing Huntington Bank users and for those who prefer traditional banking.

If your goal is to make your money work harder for you, you can check out high-yield savings options from online banks and credit unions.


  1. ^ Huntington. Open a Savings Account, CD, or Money Market Account, Retrieved 11/20/2023
  2. ^ Huntington. Premier Savings Account, Retrieved 11/20/2023
  3. ^ Huntington. Huntington Premier Savings Account Personal Account Charges, Retrieved 11/20/2023
  4. ^ Huntington. Relationship Savings: Higher Interest Savings Account, Retrieved 11/20/2023
  5. ^ Huntington. Huntington Relationship Savings Account Personal Account Charges, Retrieved 01/20/2024
  6. ^ Huntington. Open a Savings Account, CD, or Money Market Account, Retrieved 12/27/2023
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CIT Bank
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