Bank · FDIC insured
First Hope Bank Savings Rates
First Hope Bank’s best savings rate is 0.08% APY on $10,000, with its Gold Money Market. Rates checked October 22, 2026.
How First Hope Bank’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where First Hope Bank has the most branches. $10,000, best rate first.
This bank’s best
First Hope Bank
0.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $50
Kasasa Saver
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
First Hope Bank savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.08%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.50%
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 Hope 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.
Gold Money Market
0.08%APY
Minimum deposit of $1,000 required to open account. Minimum balance of $1,000 required to earn APY. Rate is subject to change after account opening. Fees may reduce earnings. Personal accounts only.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $2,500 | 0.05% | — |
| $2,500 – $100,000 | 0.08% | $8 |
| $100,000 and up | 0.15% | — |
Statement Savings
0.04%APY
$4 monthly service charge waived with a $300 daily minimum balance. Interest earned on entire balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$4 monthly service charge waived with $300 daily minimum balance.Any balance | 0.04% | $4 | $4 monthly service charge waived with $300 daily minimum balance. |
Sources (3)
All captured Oct 15, 2026
Kasasa Saver
0.00%APY on $10,000
Must link a Kasasa Cash or Kasasa Cash Back checking account. eStatements are required. If qualifications are met in linked checking (at least 12 debit card purchases, enroll and log in to Online Banking, and at least 1 direct deposit or ACH payment/credit): earns 0.50% APY up to $10,000, 0.25% interest rate on balance over $10,000 resulting in 0.50%-0.27% APY; if qualifications not met, earns 0.02% APY on all balances. Limit one account per SSN. Personal accounts only.
| Part of the balance | Rate on that part |
|---|---|
| $10,000 and up | 0.25% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
Hopes & Dreams Club
0.25%APY · 1 term
Club runs 52 weeks from time of opening. Club deposits must be auto-debited via automatic weekly, bi-weekly, or monthly transfers from a First Hope Bank checking or savings account. Ending balance automatically deposited into checking/savings or may be withdrawn up to 30 days after maturity; automatically renews if not withdrawn within 30 days. Early withdrawal penalty / $10 early termination fee applies if closed prior to maturity. Minimum balance to avoid service charge is $3.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months52-week term from time of opening. Club deposits must be auto-debited from a First Hope Bank checking or savings account. Early termination fee of $10 if closed prior to maturity. Minimum balance to avoid service charge is $3 | 0.25% | $25 |
Sources (3)
All captured Oct 15, 2026
KIDS Savings
0.20%APY
Available to any child under 18 years of age. No monthly service charge. No minimum balance requirement to avoid service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to any child under 18 years of age.Any balance | 0.20% | $20 | Available to any child under 18 years of age. |
Sources (3)
All captured Oct 15, 2026
IRA Savings
0.10%APY
Offered as Traditional IRA and Roth IRA. Tax-advantaged retirement savings. No setup or maintenance fees. No minimum deposit to open. Additional $1,000 catch-up contribution allowed for ages 50+.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo setup or maintenance fees; no minimum deposit to open. Available as Traditional IRA or Roth IRA.Any balance | 0.10% | $10 | No setup or maintenance fees; no minimum deposit to open. Available as Traditional IRA or Roth IRA. |
Sources (3)
All captured Oct 15, 2026
Holiday Club
0.05%APY · 1 term
Club runs 52 weeks beginning in October. Club deposits must be auto-debited from a First Hope Bank checking or savings account. $10 early termination fee if closed prior to maturity. Minimum balance to avoid service charge is $0.01.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months52-week term beginning in October. Club deposits must be auto-debited from a First Hope Bank checking or savings account. Early termination fee of $10 if closed prior to maturity. Minimum balance to avoid service charge is $0.01 | 0.05% | $5 |
Sources (3)
All captured Oct 15, 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.