Do well and be good when you save money to do the things you want.

Save Money in Ohio

Quick Access to my Savings

Whether you're saving for a big purchase or looking for a little peace of mind, a savings account can help you reach long-term and short-term goals.

Apply for a Savings Account

Check Savings Rates

Savings Made Simple in Ohio

Savings Made Simple

Turn everyday purchases into something better when your debit card purchases are rounded up and automatically transferred to your savings account.

Apply for Savings Made Simple

Money Market in Ohio

Higher Return on my Money

Increase your earning potential while keeping your money within reach with a tiered-interest Money Market account.

Apply for a Money Market

Check Money Market Rates

Certificate of deposit in ohio

Fixed Rate of Return

Save today for a better tomorrow. With terms ranging from  6 months to 5 years, we have a CD that is sure to suit you.

Apply for a CD

Check CD Rates

Retirement Planning

Prepare for Retirement

Choose a retirement account designed to fund your next adventure. We offer 4 account types: ROTH IRA, Traditional IRA, SEP, and SIMPLE IRA- each with different tax saving advantages. Let us help you find one to fit your future.

Apply for Your IRA

Learn More About IRAs 

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Health Savings

If you are enrolled in a High Deductible Health Plan and want to save for future medical expenses, an HSA is for you. Enjoy triple tax savings when you contribute, earn interest, and use the funds for qualified medical expenses.

Apply for Your HSA

Learn More About HSAs

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Teach Kids To Save

The Youth Savings Account is designed for children under 18 to learn the fundamentals of saving. The LEARN WELL Program pays bonuses for good grades at the end of each school year. 

Apply for a Youth Savings Account

Learn More About Youth Savings

I can truly say I'm a lifelong customer of Osgood Bank.
My dad opened a savings account before I was born that I still use to this day.

-Stephanie B.

Get Answers To Frequently Asked Questions About the
Best Savings Accounts in Ohio

What do I need to open a savings account?

To open an account with Osgood Bank you will be asked to provide the Customer Service Representative with:

-2 forms of ID?

-DL & SS card

-Proof of address/2 pieces of mail?

-Basic personal information such as birth date, ssn, phone number.

All accounts require an initial deposit at account opening. You may transfer money from another Osgood Bank account or fund your account with a cash or check. 

If you wish to open a joint account, we will need the above information for all account owners. 

All applicants will be verified through ChexSystems, a nationwide specialty consumer reporting agency under the Federal Fair Credit Reporting Act. 

How can I improve my savings?

We are here to take the complexity out of finances. The Savings Made Simple program rounds up your debit card purchases and puts the change directly into the savings account of your choosing, making contributions effortless. You can also arrange automatic transfers into your savings account in the amount and frequency of your choice. 

For more tools and resources, including savings calculators and budgeting tips, visit our financial resource center. 

Savings Resources

Investment Resources

Do I qualify for a Health Savings Account (HSA)?

HSAs are accounts designed to help offset the rising cost of individual health care. If you are unsure as to whether or not you qualify for this type of account, we suggest checking with your insurance carrier. Carriers will label their plans as HSA eligible if they meet the requirements.  

For more information about HSA eligibility and requirements, check with your tax preparer, employer, or read the IRS publication on HSAs by clicking here.

What type of retirement account is right for me?

The great thing about retirement accounts is there are several to choose from, each designed to fit your personal situation. We are here to guide you through the account options and recommend you consulting your tax advisor to compare the tax-saving options available to you. 

Osgood Bank also partners with Banzai to put resources at your fingertips. View the retirement calculator, tips on preparing a will, and more.

View Retirement Resources

Do you offer CD specials?

Occasionally Osgood Bank will offer special rates and terms on Certificates of Deposit (CDs). To view current rates, terms, and specials please visit our rates page here.