Bank · FDIC insured
First National Bank in Philip Savings Rates
First National Bank in Philip’s best savings rate is 1.82% APY on $10,000, with its CMA – Cash Management Account. Rates checked October 22, 2026.
How First National Bank in Philip’s savings rates compare
Compared with banks and credit unions near Rapid City, SD, where First National Bank in Philip has the most branches. $10,000, best rate first.
This bank’s best
First National Bank in Philip
1.82%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $182
CMA – Cash Management Account
Top rate
Highmark Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
2nd-highest rate
Aspen Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
First National Bank in Philip savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0001.51%
- $10,000 balance$10,0001.82%
- $100,000 balance$100,0002.73%
- QualifiedQualified1.82%
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 in Philip 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.
CMA – Cash Management Account
1.82%APY
Interest is compounded and credited monthly. Up to six withdrawals or transfers allowed per statement; unlimited deposits and in-person withdrawals. Checks imaged and enclosed with monthly statement.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier: Less Than $2,500.00. Minimum balance requirement stated as $2,500.00. Rates may change after account opening. Fees may reduce earnings. | 1.51% | — | Tier: Less Than $2,500.00. Minimum balance requirement stated as $2,500.00. Rates may change after account opening. Fees may reduce earnings. |
| $2,500 – $25,000Tier: $2,500.00 - $24,999.99. Rates may change after account opening. Fees may reduce earnings. | 1.82% | $182 | Tier: $2,500.00 - $24,999.99. Rates may change after account opening. Fees may reduce earnings. |
| $25,000 – $50,000Tier: $25,000.00 - $49,999.99. Rates may change after account opening. Fees may reduce earnings. | 2.12% | — | Tier: $25,000.00 - $49,999.99. Rates may change after account opening. Fees may reduce earnings. |
| $50,000 – $100,000Tier: $50,000.00 - $99,999.99. Rates may change after account opening. Fees may reduce earnings. | 2.43% | — | Tier: $50,000.00 - $99,999.99. Rates may change after account opening. Fees may reduce earnings. |
| $100,000 – $200,000Tier: $100,000.00 - $199,999.99. Rates may change after account opening. Fees may reduce earnings. | 2.73% | — | Tier: $100,000.00 - $199,999.99. Rates may change after account opening. Fees may reduce earnings. |
| $200,000 and upTier: Over $200,000. Rates may change after account opening. Fees may reduce earnings. | 3.04% | — | Tier: Over $200,000. Rates may change after account opening. Fees may reduce earnings. |
Regular Savings
1.51%APY
Interest is compounded quarterly. Rates may change after the account is opened. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRates may change after the account is opened. Fees may reduce stated earnings.$25 and up | 1.51% | $151 | Rates may change after the account is opened. Fees may reduce stated earnings. |
Special-purpose accounts
IRA Open Account
3.70%APY
Eligible if under age 70 1/2 for the entire tax year and receiving salary or wages as an employee. Accounts can be opened between January 1 and tax return due date. Rates may change after the account is opened. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRates may change after the account is opened. Fees may reduce stated earnings.$5 and up | 3.70% | $370 | Rates may change after the account is opened. Fees may reduce stated earnings. |
Health Savings
1.26%APY
If you have a High Deductible Health Plan (HDHP) you may be eligible to open a Health Savings with a minimum deposit of $5.00. Interest will be compounded monthly. Consult your tax advisor to determine eligibility. Rates may change after the account is opened. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRates may change after the account is opened. Fees may reduce stated earnings.$5 and up | 1.26% | $126 | Rates may change after the account is opened. Fees may reduce stated earnings. |
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.