Bank · FDIC insured
First Bank Savings Rates
Top CarrotFirst Bank’s best savings rate is 2.90% APY on $10,000, with its Icon High-Yield Savings. Rates checked October 16, 2026.
How First Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First Bank has the most branches. $10,000, best rate first.
This bank’s best
First Bank
2.90%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $290
Icon High-Yield Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
First Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.90%
- $10,000 balance$10,0002.90%
- $100,000 balance$100,0002.90%
- QualifiedQualified2.90%
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 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.
Icon High-Yield Savings
2.90%APY
May be opened in-branch or online. Variable-rate account; interest rate may change after account is opened. $5.00 Monthly Maintenance Fee can be avoided by maintaining an open Icon Checking Account or having an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable-rate account. Avoid the $5.00 monthly fee with an open Icon Checking Account or an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.Any balance | 2.90% | $290 | Variable-rate account. Avoid the $5.00 monthly fee with an open Icon Checking Account or an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date. |
Sources (3)
All captured Oct 5, 2026
Performance Money Market
0.02%APY
Variable-rate account. $100.00 minimum deposit required to open. Check writing privileges included. $10.00 Monthly Maintenance Fee, avoidable by maintaining a daily Ledger Balance of $1,000.00 or more during a calendar month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Variable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month. | 0.01% | — | Variable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month. |
| $2,500 – $10,000Variable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month. | 0.01% | — | Variable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month. |
| $10,000 – $25,000Variable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month. | 0.02% | $2 | Variable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month. |
| $25,000 – $50,000Variable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month. | 0.02% | — | Variable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month. |
| $50,000 and upVariable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month. | 0.02% | — | Variable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month. |
Sources (3)
All captured Oct 16, 2026
Statement Savings
0.01%APY
Variable-rate account; interest rate may change after account is opened. Avoid the $3.00 Monthly Maintenance Fee by maintaining a daily Ledger Balance of $100.00 or more during a calendar month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable-rate account. Avoid the $3.00 monthly fee by maintaining a daily Ledger Balance of $100.00 or more during a calendar month.Any balance | 0.01% | $1 | Variable-rate account. Avoid the $3.00 monthly fee by maintaining a daily Ledger Balance of $100.00 or more during a calendar month. |
Sources (3)
All captured Oct 5, 2026
Thrive Credit Savings
0.01%APY
May be opened in-branch only. Held in conjunction with the Thrive Credit Builder Loan where the $500 loan amount is held in the account while earning interest; funds are available after 12 months of payments. Variable-rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMay be opened in-branch only. Associated with Thrive Credit Builder Loan ($500 loan proceeds held in account). Variable-rate account.Any balance | 0.01% | $1 | May be opened in-branch only. Associated with Thrive Credit Builder Loan ($500 loan proceeds held in account). Variable-rate account. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Kids Cash Savings
0.21%APY on $10,000
May be opened in-branch only for children under 18 years of age (account switches to Statement Savings on 18th birthday). Limit one account per person. Variable-rate account.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 3.93% |
| Over $500 | 0.01% |
On $10,000 the tiers blend to about 0.21% APY, earning $21 a year.
Sources (2)
All captured Oct 5, 2026
Health Savings Account
0.03%APY
May be opened in-branch only. Variable-rate account; APY may change any time after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000May be opened in-branch only. Variable-rate account. | 0.03% | — | May be opened in-branch only. Variable-rate account. |
| $5,000 and upMay be opened in-branch only. Variable-rate account. | 0.03% | $3 | May be opened in-branch only. Variable-rate account. |
Sources (1)
- first.bank/Resources/Explore/Rates · 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.