Bank · FDIC insured
First National Bank Savings Rates
First National Bank’s best savings rate is 0.55% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How First National Bank’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where First National Bank has the most branches. $10,000, best rate first.
This bank’s best
First National Bank
0.55%APY
- Minimum
- —
- Earns on $10,000 a year
- $55
Money Market Savings
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Iowa Trust
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
First National Bank savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.55%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.55%
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 National 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.
Money Market Savings
0.55%APY
Tiered interest rates. Interest compounds monthly. $1,000 minimum balance to avoid monthly fees. Checks available upon request.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999$1,000 minimum balance to avoid monthly fees. | 0.55% | $55 | $1,000 minimum balance to avoid monthly fees. |
| $25,000 – $99,999$1,000 minimum balance to avoid monthly fees. | 0.65% | — | $1,000 minimum balance to avoid monthly fees. |
| $100,000 – $249,999$1,000 minimum balance to avoid monthly fees. | 0.75% | — | $1,000 minimum balance to avoid monthly fees. |
| $250,000 and up$1,000 minimum balance to avoid monthly fees. | 0.90% | — | $1,000 minimum balance to avoid monthly fees. |
Sources (2)
All captured Oct 16, 2026
Standard Savings
0.15%APY
Must be an Iowa resident to apply (or planning to move to Iowa). Monthly maintenance fee of $3.00 applies if balance falls below $300. Activity fee of $0.50 per withdrawal over three per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest compounds quarterly. Monthly maintenance fee of $3.00 applies if balance falls below $300.Over $0 | 0.15% | $15 | Interest compounds quarterly. Monthly maintenance fee of $3.00 applies if balance falls below $300. |
Special-purpose accounts
Health Savings Account (HSA)
0.15%APY
Must be enrolled in a qualified high-deductible health plan. Includes HSA checking account with debit card. No setup fee or annual fee. Monthly maintenance fee of $5 waived with a $500 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Interest compounded monthly. Monthly maintenance fee waived with $500 minimum balance. | 0.10% | — | Interest compounded monthly. Monthly maintenance fee waived with $500 minimum balance. |
| $5,000 – $49,999Interest compounded monthly. Monthly maintenance fee waived with $500 minimum balance. | 0.15% | $15 | Interest compounded monthly. Monthly maintenance fee waived with $500 minimum balance. |
| $50,000 – $99,999Interest compounded monthly. Monthly maintenance fee waived with $500 minimum balance. | 1.00% | — | Interest compounded monthly. Monthly maintenance fee waived with $500 minimum balance. |
| $100,000 and upInterest compounded monthly. Monthly maintenance fee waived with $500 minimum balance. | 2.02% | — | Interest compounded monthly. Monthly maintenance fee waived with $500 minimum balance. |
Sources (3)
- fnb247.com/deposit-rates
- fnb247.com/personal/savingsandcds
- fnb247.com/personal/savingsand…/health-savings-accounts
All captured Oct 5, 2026
Individual Retirement Account (IRA) Savings
1.76%APY
Available as Traditional IRA, Roth IRA, and Rollover IRA options subject to IRS eligibility requirements and contribution limits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 1.76% | $176 |
| $25,000 – $99,999 | 1.86% | — |
| $100,000 and up | 2.02% | — |
Sources (3)
All captured Oct 5, 2026
Celebration Savings
0.15%APY
Must be an Iowa resident to apply (or planning to move to Iowa). Monthly automatic transfers are required; funds distributed annually to First National Bank checking account. No monthly maintenance fee. Activity fee of $5 per withdrawal in excess of one per year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest compounds monthly.Over $0 | 0.15% | $15 | Interest compounds monthly. |
Kids First Savings
0.15%APY
Available for children and teens under age 18. Must be opened jointly with an adult at a First National Bank branch. Must be an Iowa resident to apply (or planning to move to Iowa). No minimum balance. No monthly maintenance fee. Activity fee of $0.50 per withdrawal in excess of three per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest compounds quarterly.Over $0 | 0.15% | $15 | Interest compounds quarterly. |
Sources (3)
- fnb247.com/deposit-rates
- fnb247.com/personal/savingsandcds
- fnb247.com/personal/savingsandcds/kids-first-savings
All 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.