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Best Banks & Credit Unions in Ohio

Compare the best banks and credit unions in Ohio: up to 0.25% APY, verified fees, minimums, and membership rules from 37+ local institutions.

Ohio is headquarters to three large regional banks, Huntington in Columbus, KeyBank in Cleveland and Fifth Third in Cincinnati, and to 156 FDIC-insured banks and savings institutions in all (FDIC data as of June 30, 2026). Credit unions such as Wright-Patt Credit Union in the Dayton area and Kemba Financial in the Columbus area are worth comparing against national online banks. State-chartered institutions are supervised by the Ohio Department of Commerce, Division of Financial Institutions, and all carry FDIC or NCUA insurance to $250,000.

State regulator: Ohio Department of Commerce — Division of Financial Institutions. Every institution below is FDIC- or NCUA-insured to $250,000.

Best banks and credit unions in Ohio 2026

Every bank with a branch in Ohio

183 FDIC-insured banks run 2,930 full-service offices in Ohio. 142 of them are community banks, and 123 operate nowhere else. This is the federal record: every figure below is the regulator's own.

Deposits by office come from the FDIC Summary of Deposits, counted each 30 June; the leverage ratio is capital as a share of assets, from each bank's latest Call Report. Nothing here is blended into a score. Search by ZIP to see the offices nearest you.

Every bank we publish a page for in Ohio

30 of them, largest first. Each page carries the bank's own Call Report figures and every office it runs.

Branches by town in Ohio

Where a bank runs more than one office in a town, every one of them is listed on a page of its own.

Branch pages in Ohio

Every office we publish a page for in Ohio, by town. Each carries what that branch holds, when it opened and the other branches within five miles.

Cincinnati

Columbus

Cleveland

Akron

Franklin

Independence

Ironton

Milford

Bellbrook

Blue Ash

Canton

Euclid

Girard

Lewis Center

Mansfield

Mason

Mentor

Newark

Northwood

Powell

Sylvania

Toledo

Whitehall

Every credit union with an office in Ohio

220 federally insured credit unions run 756 offices in Ohio, between them serving 19,726,465 members. 103 carry the NCUA's low-income designation. Figures are from each credit union's own NCUA Call Report.

A credit union is measured differently from a bank and the numbers are not interchangeable: the net worth ratio here is the NCUA's capital measure under 12 CFR 702, where 7% is well capitalised, and shares are the credit union equivalent of deposits. Membership usually turns on where you live or work, so a local credit union is often open to you even when its name suggests otherwise.

What makes a Ohio bank account worth opening

Look at four things in order: the APY (does it beat the FDIC national average of about 0.60%?), the monthly fee (anything above $0 should come with a clear waiver path), the minimum opening deposit, and the membership rule for credit unions. Ohio residents typically qualify for at least one large state-chartered credit union on residency alone, and that credit union is often the highest-APY option available locally.

Is my money safe at a Ohio bank or credit union?

Yes, if the institution is federally insured. FDIC covers banks up to $250,000 per depositor, per ownership category; NCUA covers credit unions at the same limits. Every institution in this directory carries one of those insurances. The FDIC or NCUA ID is listed on the full provider row.

Best banks in Ohio cities

Ohio banking FAQ: credit unions, rates & insurance

Who can join Wright-Patt Credit Union?

Wright-Patt CU is open to anyone who lives, works, worships, or attends school in one of 17 Ohio counties spanning the Dayton-Columbus-Springfield corridor. Family members of existing members also qualify. The membership application is available online and typically takes a few minutes.

Does Ohio tax bank-account interest at the state level?

Ohio has a graduated income tax with a top rate of 3.75% that applies to interest income. This is moderate compared to neighbors like Pennsylvania (flat 3.07%) and significantly lower than New York or New Jersey, making Ohio a relatively tax-efficient state for high-yield deposit accounts.

Why does Ohio have so many credit unions?

Many Ohio credit unions began as employer credit unions tied to the state's industrial base, and many have since opened membership to anyone who lives or works in their area, which gives residents broad access. Ohio-chartered credit unions are regulated by the Credit Union Section of the Ohio Department of Commerce's Division of Financial Institutions.

Are Ohio state-chartered deposits federally insured?

Yes. All Ohio state-chartered banks carry FDIC insurance and state-chartered credit unions carry NCUA insurance, both up to $250,000 per depositor per ownership category. The Ohio Department of Commerce supervises state-chartered institutions.

Related guides for Ohio savers

Rates and fees change frequently. Confirm current figures directly with each institution before applying, and see our editorial methodology for how this directory is built and maintained.