Buying a home starts with saving for one. Through Ohio Homebuyer Plus, eligible Ohio residents can earn an enhanced interest rate while saving toward the purchase of a primary residence in Ohio.
Open an Ohio Homebuyer Plus Savings account with 1st National Bank and earn up to 12.00% APY* while building funds for eligible homebuying expenses.
Complete the Ohio Homebuyer Plus application and required program certifications. Applicants must meet Ohio Homebuyer Plus eligibility requirements.
Contribute to your account and earn an enhanced interest rate while preparing for your future home purchase.
Account funds must be used for eligible expenses associated with purchasing a primary residence in Ohio, including qualifying down payment and closing costs. When you’re ready to finance your home purchase, explore Mortgage Loans from 1st National Bank.
Ohio Homebuyer Plus is available to eligible individuals who are at least 18 years old, are Ohio residents, and maintain their primary address in Ohio. Funds must be used toward eligible expenses associated with purchasing a primary residence in Ohio. Ohio Treasurer’s Office
Applicants are required to review and agree to the Ohio Treasurer’s Ohio Homebuyer Plus Participation Statement before opening an account.
Ohio Homebuyer Plus offers enhanced savings rates to help eligible Ohioans build funds toward a future home purchase.
12.00% APY applies to the applicable portion of the account balance under 1st National Bank’s tiered-rate structure. Different interest rates and APYs apply to additional balance tiers.
Whether homeownership is around the corner or still a few years away, Ohio Homebuyer Plus can help you put your savings to work while you prepare.
Visit a banking center to get started, or connect with a 1st National Bank banker to learn more about the account and program requirements.
Ohio Homebuyer Plus is an Ohio Treasurer’s office program that provides eligible Ohio residents access to enhanced-interest savings accounts designed to help them save toward the purchase of a primary residence in Ohio.
Eligible applicants must be at least 18 years old, be Ohio residents, maintain a primary address in Ohio, and meet the program’s other eligibility requirements.
For accounts opened on or after April 1, 2025, the Ohio Homebuyer Plus program requires a minimum balance of $500.
Funds must be used for eligible expenses associated with purchasing a primary residence in Ohio, including qualifying down payment and closing costs.
Certain contributions and interest may qualify for Ohio state income tax deductions. Tax treatment depends on individual circumstances, so customers should consult a qualified tax advisor and review the Ohio Treasurer’s program information.
Minimum opening deposits and balance requirements vary by account. Fees could reduce earnings on the account. Other account-related fees may apply. See Deposit Account Disclosures and Current Rates for complete terms and conditions.
Please note: Individuals are required to review the Ohio Homebuyer Plus participation statement prior to opening an account through the program. You can review the participation statement here.
*Rates and APYs are accurate as of October 14, 2026. This is a variable rate account; interest rates and Annual Percentage Yields (APYs) are subject to change at our discretion at any time after the account is opened. Must be a legal resident of Ohio and at least 18 years old. A minimum balance of $500.00 is required to open the account and obtain the advertised APYs. The maximum contribution limit is $100,000.00. Subject to approval by the State of Ohio. Fees could reduce earnings on the account.
Tier Details: This account utilizes a split-rate tiered structure. The advertised interest rates and APYs are paid only on the portion of the daily balance residing within each specified tier. Balances from $0.01 to $2,500.00 earn an interest rate of 11.34% (12.00% APY); balances from $2,500.01 to $5,000.00 earn an interest rate of 3.93% (4.00% APY); balances from $5,000.01 to $100,000.00 earn an interest rate of 3.25% (3.30% APY); and balances of $100,000.01 and above earn an interest rate of 3.45% (3.51% APY). Interest is compounded daily and paid monthly.