Bank · FDIC insured
Dream First Bank Savings Rates
Dream First Bank’s best savings rate is 0.05% APY, with its Saver, with extra requirements. Rates checked October 16, 2026.
How Dream First Bank’s savings rates compare
Compared with banks and credit unions near Garden City, KS, where Dream First Bank has the most branches. $10,000, best rate first.
This bank’s best
Dream First Bank
0.05%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $5
Saver
Top rate
Golden Plains Credit Union
2.02%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $202
2nd-highest rate
Grant County Bank
1.92%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $192
Dream First Bank savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified1.01%
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 Dream First 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.
Saver
1.01%APY on $10,000
Linked to Cash Back Checking. Automatic transfer of 3% cash back rewards into Saver account. Earns premium rates when qualifications are met each monthly cycle (at least 15 debit card purchases post and clear, enrolled in and receive e-statements, and logged into online banking).
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 1.01% |
| $10,000 and up | 0.25% |
On $10,000 the tiers blend to about 1.01% APY, earning $101 a year.
Sources (2)
All captured Oct 5, 2026
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.