Bank · FDIC insured
First Community Bank Savings Rates
First Community Bank’s best savings rate is 0.25% APY on $10,000, with its Regular Savings. Rates checked October 15, 2026.
How First Community Bank’s savings rates compare
Compared with banks and credit unions near Shelbyville, TN, where First Community Bank has the most branches. $10,000, best rate first.
This bank’s best
First Community Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $200
Rewards Saver
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
Ascend Federal Credit Union
3.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $330
First Community Bank savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified2.00%
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 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.
Rewards Saver
Up to 2.00%APY
Links to free Kasasa Cash or Kasasa Cash Back checking. No monthly service fee or minimum balance to earn rewards.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Qualifications met in linked Rewards Checking account (at least 12 debit card purchases post and settle, at least 1 direct deposit or automatic payment ACH post and settle, enrolled in and agree to receive e-statements). | 2.00% | $200 | Qualifications met in linked Rewards Checking account (at least 12 debit card purchases post and settle, at least 1 direct deposit or automatic payment ACH post and settle, enrolled in and agree to receive e-statements). |
| Any balanceBase rate applied to all balances if monthly qualifications are not met in the linked Rewards Checking account. | 0.05% | $5 | Base rate applied to all balances if monthly qualifications are not met in the linked Rewards Checking account. |
| $25,000 and upQualifications met in linked Rewards Checking account. Stated APY range is 2.00% to 1.17% depending on balance. | 0.30% | — | Qualifications met in linked Rewards Checking account. Stated APY range is 2.00% to 1.17% depending on balance. |
Sources (2)
- firstcommunitybanker.com/personal/personal-savings
- firstcommunitybanker.com/services-tools/tools/rates.html
All captured Oct 15, 2026
Regular Savings
0.25%APY
No monthly maintenance fee. No minimum balance requirement. Interest is paid on entire balance and compounded quarterly. Unlimited transfers and withdrawals available. Free quarterly e-statements or paper statements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Special-purpose accounts
Christmas Club Account
Up to 3.02%APY
Interest is paid on entire balance and compounded annually. No monthly maintenance fee. No minimum balance requirements. Club funds disbursed on September 30th. Early withdrawals subject to $15.00 early withdrawal fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000 | 3.02% | $302 | |
| $10,000 and upOver $10,000 receives 0.25% interest rate with stated blended APY range 3.02- 0.25%. | 0.25% | $25 | Over $10,000 receives 0.25% interest rate with stated blended APY range 3.02- 0.25%. |
Kids Club Savings
0.25%APY
Exclusively for young savers 12 and under. Interest is paid on entire balance and compounded quarterly. Includes ongoing prizes and giveaways. Unlimited transfers and withdrawals available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor savers aged 12 and under.Any balance | 0.25% | $25 | For savers aged 12 and under. |
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.