Bank · FDIC insured
First Citizens State Bank Savings Rates
First Citizens State Bank’s best savings rate is 0.05% APY on $10,000, with its Statement Savings. Rates checked October 16, 2026.
How First Citizens State Bank’s savings rates compare
Compared with banks and credit unions near Whitewater, WI, where First Citizens State Bank has the most branches. $10,000, best rate first.
This bank’s best
First Citizens State Bank
0.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $5
Statement Savings
Top rate
Advia Credit Union
3.75%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Fort Community Credit Union
3.66%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $366
First Citizens State Bank savings score
61
Savings score
Higher than 3% 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%
- QualifiedQualified0.05%
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 Citizens State 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.
Special-purpose accounts
Individual Retirement Accounts (IRA) - Variable
1.26%APY
Available as Traditional or Roth IRA wrapper. No service charges. Early withdrawal penalty may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum deposit to earn stated APY is $0.01. Interest compounded and credited monthly. No service charges.Over $0 | 1.26% | $126 | Minimum deposit to earn stated APY is $0.01. Interest compounded and credited monthly. No service charges. |
Sources (2)
- firstcitizensww.com/deposit-pr…r-services/deposit-rates
- firstcitizensww.com/deposit-products/personal-savings
All captured Oct 16, 2026
Christmas Club Savings
0.05%APY
No service charges. Flexible periodic payments allowed; check mailed in time for Christmas shopping, no other withdrawals allowed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum deposit to earn stated APY is $0.01. No service charges.Over $0 | 0.05% | $5 | Minimum deposit to earn stated APY is $0.01. No service charges. |
Sources (2)
- firstcitizensww.com/deposit-pr…r-services/deposit-rates
- firstcitizensww.com/deposit-products/personal-savings
All captured Oct 16, 2026
Statement Savings
0.05%APY
Monthly service charge of $3.00 is waived if a daily balance of $100 or more is maintained. If balance falls below $100, there is a $0.25 per withdrawal fee. Exceptions to service charges: Minors under age 18 upon request.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum deposit to earn stated APY is $0.01. $3.00 monthly service charge and $0.25 per withdrawal fee if daily balance falls below $100 (service charge waived if daily balance of $100 or more is maintained; exception for minors under 18 upon request).Over $0 | 0.05% | $5 | Minimum deposit to earn stated APY is $0.01. $3.00 monthly service charge and $0.25 per withdrawal fee if daily balance falls below $100 (service charge waived if daily balance of $100 or more is maintained; exception for minors under 18 upon request). |
Sources (2)
- firstcitizensww.com/deposit-pr…r-services/deposit-rates
- firstcitizensww.com/deposit-products/personal-savings
All captured Oct 16, 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.