Bank · FDIC insured
First Community Bank of the Heartland Savings Rates
First Community Bank of the Heartland’s best savings rate is 0.33% APY on $10,000, with its Individual Money Market. Rates checked October 22, 2026.
How First Community Bank of the Heartland’s savings rates compare
Compared with banks and credit unions near Paducah, KY-IL, where First Community Bank of the Heartland has the most branches. $10,000, best rate first.
This bank’s best
First Community Bank of the Heartland
0.33%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $33
Individual Money Market
Top rate
FNB Bank
3.42%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $342
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
First Community Bank of the Heartland savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.00%
- $10,000 balance$10,0000.33%
- $100,000 balance$100,0003.01%
- QualifiedQualified0.33%
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 Community Bank of the Heartland 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.
Individual Money Market
0.33%APY
$6 monthly fee if minimum balance falls below $1,500. Variable rates subject to change daily.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500$6 monthly fee if minimum balance falls below $1,500. | 0.00% | — | $6 monthly fee if minimum balance falls below $1,500. |
| $1,500 – $25,000 | 0.33% | $33 | |
| $25,000 – $50,000 | 0.61% | — | |
| $50,000 – $100,000 | 1.21% | — | |
| $100,000 – $300,000 | 3.01% | — | |
| $300,000 – $500,000 | 3.11% | — | |
| $500,000 – $1,000,000 | 3.41% | — | |
| $1,000,000 and up | 3.71% | — |
Sources (2)
All captured Sep 19, 2026
Passbook Savings
0.10%APY
Linked to VISA Debit Card with Personal Checking account for easy access. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required.Any balance | 0.10% | $10 | No minimum balance required. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Christmas Club Savings
0.10%APY
Account funds disbursed to customer once per year, typically early October (direct deposited to an FCB deposit account or back into club account). No minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds disbursed once per year (typically early October). No minimum balance.Any balance | 0.10% | $10 | Funds disbursed once per year (typically early October). No minimum balance. |
Sources (2)
All captured Sep 19, 2026
Student Rewards Savings
0.10%APY
For participating 1st-12th Grade students. FCB rewards $1 per A (qualifying subjects only) each report card. Student must bring report card into the bank after each grading cycle. No minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceParticipating 1st-12th Grade students receive $1 per A on report card for qualifying subjects. No minimum balance.Any balance | 0.10% | $10 | Participating 1st-12th Grade students receive $1 per A on report card for qualifying subjects. No minimum balance. |
Sources (2)
All captured Sep 19, 2026
Vacation Club Savings
0.10%APY
Account funds disbursed to customer once per year, typically middle of May (automatically deposited into another FCB deposit account). No minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds disbursed once per year (typically middle of May) into another FCB deposit account. No minimum balance.Any balance | 0.10% | $10 | Funds disbursed once per year (typically middle of May) into another FCB deposit account. No minimum balance. |
Sources (2)
All captured Sep 19, 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.