Would you keep savings at a bank paying 0.01% APY when the same bank might pay you over 3% just for holding the right checking account? That is the deal behind the Huntington Relationship Savings account. Your rate depends less on the account itself and more on your overall relationship with Huntington.
Here is how the account works, what it pays, and how to dodge the monthly fee, verified as of July 2026.
What Is the Huntington Relationship Savings Account?
Huntington Relationship Savings is the step-up savings option from The Huntington National Bank, a regional bank with branches across the Midwest and beyond. The "relationship" part is literal. Link the account to an eligible Huntington checking account and you qualify for a higher relationship interest rate.
You start earning interest with as little as $0.01 in the account, and deposits are FDIC insured up to applicable limits.
Key Facts at a Glance
| Feature | Details (as of July 2026) |
|---|---|
| Monthly fee | $10 |
| Fee waiver | $2,500 average daily balance OR any Huntington personal checking account |
| APY range | About 0.01% to 3.29%, depending on relationship and balance |
| Balance to earn interest | $0.01 |
| Rate boosters | Perks or Platinum Perks Checking, plus a $5,000+ average daily balance |
| Insurance | FDIC insured up to applicable limits |
Huntington Relationship Savings Rates and APY Tiers
Huntington does not publish one flat national rate for this account. Rates are tiered by your balance and by which checking account you hold. Third-party rate trackers report the range running from 0.01% APY on the standard tier up to about 3.29% APY as of July 2026 for customers with a qualifying checking relationship and higher balances.
Two levers move your rate. First, owning a Huntington Perks Checking or Platinum Perks Checking account unlocks the relationship rate. Second, Huntington says maintaining an average daily balance of $5,000 or more can earn an even better rate. Rates vary by region, so pull Huntington's rate table for your ZIP code before opening.
The $10 Monthly Fee and How to Waive It
The account charges a $10 monthly maintenance fee, but the waivers are easy. You avoid the fee by either keeping a $2,500 average daily balance or holding any Huntington personal checking account.
Since the whole point of this account is pairing it with checking for a better rate, most Relationship Savings customers will never pay the fee. Standalone savers with under $2,500 should look elsewhere.
Relationship Requirements Explained
Here is the frustrating part: without a linked checking account, this account pays close to nothing. The standard tier sits around 0.01% APY, which earns roughly 10 cents a year on a $1,000 balance.
To make the account worthwhile, you generally need Huntington Perks Checking or Platinum Perks Checking, the bank's mid-tier and premium checking products. Those accounts have their own fee rules, so factor in the full relationship cost. One useful perk: linked savings can serve as overdraft protection for your Huntington checking, with transfers in $100 increments at no charge.
Pros and Cons
Pros:
- Relationship rates can reach a competitive level for a branch-based bank
- Easy fee waivers, and interest starts at one penny
- Free overdraft protection transfers to linked checking
- FDIC insured, with in-person branch support
Cons:
- Near-zero rate without a qualifying checking account
- Top APY requires a $5,000+ balance and premium checking
- Rates vary by ZIP code and are not published in one national table
- Online banks beat it without any relationship hoops
How It Compares to High-Yield Alternatives
If you do not want your savings rate tied to a checking relationship, fee-free banking apps pay strong rates with fewer conditions. Current pays up to 4.00% APY on its savings pods with a qualifying direct deposit as of July 2026, with no monthly fees.
Current Banking
Current Banking
Current is a mobile-first banking app with no monthly fee and no minimum balance. Members can earn up to 4.00% APY with a qualifying direct deposit of $200, receive direct-deposit paychecks up to 2 days early, and overdraft up to $200 fee-free.
Standout feature
4.00% APY on Savings Pods (with a $200+ qualifying direct deposit) plus paycheck up to 2 days early — both included on the standard account for free
Fees
Free
Pros
$0 monthly fee; up to 4.00% APY on Savings Pods with qualifying direct deposit; paycheck up to 2 days early;
Cons
No physical branches
Chime pays up to 3.75% APY for Chime Prime members with a qualifying direct deposit, also with no monthly fees.
Chime
Chime
- Fee-free banking plus early pay access - Overdraft up to $200 without fees - 5% cash back and build credit everyday. - 3.75% APY on your savings.
Standout feature
No credit check, no interest, no annual fee, and no minimum deposit required.
Fees
$0
Pros
Fee-Free Banking and Get paid up to 2 days early
Cons
App/online-only support, no branches
Both beat Huntington's standard tier by a wide margin, though Huntington wins if you want branches and already bank there. Rates on all of these accounts are variable and can change at any time.
What Users Commonly Report
Reviewers often praise Huntington's customer service, regional branch access, and checking perks like its 24-hour overdraft grace window. The most common complaint by far is low savings rates, especially from customers who do not hold the premium checking accounts needed to unlock relationship pricing. Some users also mention that resolving account errors can take longer than expected. The overall pattern: people like Huntington as a primary bank, not as a rate-chasing savings destination.
Who Should Open This Account?
Huntington Relationship Savings makes sense if you already have, or plan to open, a Perks or Platinum Perks checking account and want your emergency fund at the same bank. It is a poor fit if you are hunting for the highest APY with no strings attached.
Before you open it, pull Huntington's current rate sheet for your area and compare it against no-fee options paying 3.75% to 4.00%. Ten minutes of comparison can be worth hundreds of dollars a year in interest.
Frequently Asked Questions
What is the current APY on Huntington Relationship Savings?
Rates are tiered and vary by region. As of July 2026, reported rates run from about 0.01% APY on the standard tier up to roughly 3.29% APY with a qualifying Huntington checking relationship and higher balances. Check Huntington's rate table for your ZIP code.
How do I avoid the monthly fee on the Huntington Relationship Savings account?
Keep a $2,500 average daily balance in the savings account or hold any Huntington personal checking account. Meeting either condition waives the $10 monthly maintenance fee.
Which checking accounts unlock the relationship rate?
Huntington's disclosures point to Huntington Perks Checking and Platinum Perks Checking as the accounts that trigger the better relationship interest rate on Relationship Savings and Relationship Money Market accounts.
Is Huntington Relationship Savings FDIC insured?
Yes. Deposits are FDIC insured up to applicable limits through The Huntington National Bank, Member FDIC.
