Bank · FDIC insured
1st Security Bank Savings Rates
1st Security Bank’s best savings rate is 0.75% APY on $10,000, with its High Yield Money Market. Rates checked October 22, 2026.
How 1st Security Bank’s savings rates compare
Compared with banks and credit unions near Seattle, WA, where 1st Security Bank has the most branches. $10,000, best rate first.
This bank’s best
1st Security Bank
0.75%APY
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000 a year
- $75
High Yield Money Market
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
1st Security Bank savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0003.15%
- QualifiedQualified0.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Security Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Optimum Savings
5.00%APY
Requires a relationship account (opening and using a consumer or business checking account with 1st Security Bank). Limit one account per primary tax owner of each checking account. $15 monthly fee waived by transferring $100+ from 1st Security Bank personal checking at least once per month. Blended rate tiering applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Portion of daily balance from $0 to $5,000 earns 5.00% APY. Monthly maintenance fee of $15 is waived with a $100+ monthly transfer from a 1st Security Bank personal checking account.Up to $5,000 | 5.00% | — | Portion of daily balance from $0 to $5,000 earns 5.00% APY. Monthly maintenance fee of $15 is waived with a $100+ monthly transfer from a 1st Security Bank personal checking account. |
1st Rate Money Market
0.05%APY
Minimum opening deposit of $100,000 requires $50,000 in new money (funds from another institution) and can be combined with other funds on deposit at the Bank. Monthly maintenance service charge of $25 is waived by maintaining a minimum daily balance of $100,000 and an active 1st Security Bank business or consumer checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Requires $50,000 in new money for minimum opening deposit. Maintain a minimum daily balance of $100,000 and maintain an active 1st Security Bank business or consumer checking account to avoid $25 monthly maintenance fee. | 0.05% | $5 | Requires $50,000 in new money for minimum opening deposit. Maintain a minimum daily balance of $100,000 and maintain an active 1st Security Bank business or consumer checking account to avoid $25 monthly maintenance fee. |
| $100,000 and upRequires $50,000 in new money for minimum opening deposit. Maintain a minimum daily balance of $100,000 and maintain an active 1st Security Bank business or consumer checking account to avoid $25 monthly maintenance fee. | 3.15% | — | Requires $50,000 in new money for minimum opening deposit. Maintain a minimum daily balance of $100,000 and maintain an active 1st Security Bank business or consumer checking account to avoid $25 monthly maintenance fee. |
High Yield Money Market
0.75%APY
Monthly maintenance service charge of $15 is waived if maintaining a minimum daily balance of $1,500 and maintaining an active 1st Security Bank business or consumer checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Maintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge. | 0.50% | — | Maintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge. |
| $5,000 – $100,000Maintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge. | 0.75% | $75 | Maintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge. |
| $100,000 – $250,000Maintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge. | 1.00% | — | Maintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge. |
| $250,000 – $1,000,000Maintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge. | 1.50% | — | Maintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge. |
| $1,000,000 and upMaintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge. | 2.00% | — | Maintain a minimum daily balance of $1,500 and an active 1st Security Bank business or consumer checking account to avoid $15 monthly maintenance service charge. |
Tiered Rate Money Market
0.55%APY
Interest is compounded and credited at the end of each month using the daily balance method. Monthly maintenance service charge of $15 is waived by maintaining a minimum daily balance of $1,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Maintain a minimum daily balance of $1,500 to avoid $15 monthly maintenance fee. | 0.35% | — | Maintain a minimum daily balance of $1,500 to avoid $15 monthly maintenance fee. |
| $5,000 – $50,000Maintain a minimum daily balance of $1,500 to avoid $15 monthly maintenance fee. | 0.55% | $55 | Maintain a minimum daily balance of $1,500 to avoid $15 monthly maintenance fee. |
| $50,000 – $100,000Maintain a minimum daily balance of $1,500 to avoid $15 monthly maintenance fee. | 0.75% | — | Maintain a minimum daily balance of $1,500 to avoid $15 monthly maintenance fee. |
| $100,000 and upMaintain a minimum daily balance of $1,500 to avoid $15 monthly maintenance fee. | 1.00% | — | Maintain a minimum daily balance of $1,500 to avoid $15 monthly maintenance fee. |
Sources (3)
All captured Sep 15, 2026
Preferred Savings
0.05%APY
Monthly maintenance fee of $10 is waived by maintaining a minimum daily balance of at least $300. Interest compounded and credited monthly using daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$10 monthly fee waived by maintaining a minimum daily balance of $300.Any balance | 0.05% | $5 | $10 monthly fee waived by maintaining a minimum daily balance of $300. |
Special-purpose accounts
Optimum Student Savings
5.00%APY
Must maintain an active 1st Gold Student Checking account. Limit one account per primary tax owner of each checking account. $10 monthly maintenance fee waived by transferring $25+ from 1st Gold Student Checking at least once per month. Must be opened at a branch.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Portion of daily balance from $0 to $5,000 earns 5.00% APY. Monthly maintenance fee of $10 is waived by transferring $25+ from 1st Gold Student checking account at least once per month.Up to $5,000 | 5.00% | — | Portion of daily balance from $0 to $5,000 earns 5.00% APY. Monthly maintenance fee of $10 is waived by transferring $25+ from 1st Gold Student checking account at least once per month. |
Uniform Transfer to Minors
0.10%APY
Custodial account under Uniform Transfer to Minors Act. Must be opened in-branch. Interest compounded and credited monthly using daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Youth Savings
0.10%APY
For customers under 18. Must be opened at a branch.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.