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Deposit Rates

Certificates of Deposits
TermInterest RateAnnual Percentage Yield (APY)

 91 Days

 0.05%

0.05% 

 6 Month

 0.10%

 0.10%

 9 Month

 0.10%

0.10% 

 10 Month*

 0.60%

0.60% 

 1 Year

 0.23%

0.23% 

15 Month *

 

 1.00%

 

1.00% 

 

18 Month

 0.40%

0.40% 

19 Month

 0.75%

 0.75%

2 Years

 1.00%

1.00% 

3 Years * 

 

1.73%

 

1.75%

 

4 Years

1.24%

1.25%

Minimum Initial Deposit of $1,000.00
Minimum balance required to earn interest
A penalty may be imposed for early withdrawal
Interest calculated on a continuous basis and paid monthly or quarterly. All rates are subject to change.
* Denotes a special

Individual Retirement Accounts (IRA)
Account TypeInterest RateAnnual Percentage Yield (APY)

18 Month

0.40%

0.40%

No Minimum Initial Deposit
All Certificate of Deposit terms and rates are available for IRAs
Minimum balance required to earn interest
A penalty may be imposed for early withdrawal
Interest calculated on a continuous basis and paid monthly or quarterly. All rates are subject to change.
* Denotes a special

Savings Accounts
Account TypeInterest RateAnnual Percentage Yield (APY)

Statement Savings

 0.03%

 0.03%

 Passbook Savings

0.03% 

0.03% 

 Gold Passbook

0.03% 

0.03% 

 Savings Plus ($50,000.00+)

0.03% 

0.03% 

 Savings Plus ($25,000.00-$49,999.99)

0.03% 

0.03% 

 Savings Plus ($100.00-$24,999.99)

 0.03%

0.03% 

 Triple Rate Money Market ($25,000.00+)*

 0.25%

0.25% 

 Triple Rate Money Market ($10,000.00-$24,999.99)*

0.15% 

 0.15%

 Triple Rate Money Market ($2,500.00-$9,999.99)*

 0.10%

0.10% 

Christmas Club

0.01%

0.01%

Minimum Initial Deposit of $50.00
Limit of 6 transactions per month
Minimum balance required to earn interest
Interest calculated on a continuous basis and paid monthly or quarterly. All rates are subject to change.
* Must have a Miami Savings Bank checking account with qualified direct deposit. Personal accounts only.

Checking Accounts
TypeInterest RateAnnual Percentage Yield (APY)

Hometown Checking *

0.00%

0.00%

Savers Checking **

0.01%

0.01%

V.I.P. Checking **

0.01%

0.01%

Business Checking (unincorporated) ***

0.01%

0.01%

Business Checking (incorporated) ***

0.00%

0.00%

Minimum Initial Deposit of $50.00
Minimum balance required to earn interest

Interest calculated on a continuous basis and paid monthly or quarterly. All rates are subject to change.

* No minimum balance requirement/no monthly charge

** Average daily balance greater than $250.00 = no monthly charge/Average daily balance $250.00 or less = $6.00 per month charge + $0.10 per check

***Average daily balance greater than $1,000.00 = no monthly charge/Average daily balance $1,000.00 or less = $6.00 per month charge + $0.20 per check

Availability of Deposits (Reg. C.C.) - Funds from deposits may not be available for immediate withdrawal. Please refer to this institution's rules governing funds availability for details.
Miami Savings Bank reserves the right to require at least seven days’ notice before any withdrawal or transfer of funds on all interest-bearing accounts. See detailed disclosure for more information.
Unclaimed Fund Law - In the event the account remains inactive for a period of 5 years, the funds will be turned over to the State of Ohio, as provided in Chapter 169 of the Ohio Revised Code.