First National Bank of Hereford Savings & Money Market Rates

How First National Bank of Hereford’s savings rates compare

Compared with banks and credit unions near Hereford, TX, where First National Bank of Hereford has the most branches. $10,000, best rate first.

This bank’s best
First National Bank of Hereford
3.03%APY
Requires
Monthly account activity
Minimum
$100
Earns on $10,000 a year
$303
Real Saver
2nd-highest rate
First National Bank Texas
2.00%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$200
First National Bank Texas rates

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Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0001.76%
$10,000 balance$10,0001.76%
$100,000 balance$100,0002.02%
QualifiedQualified3.03%

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.

How the score works →

Where First National Bank of Hereford 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 Account

1.76%APY$1,000 to open

Paid on daily balances above $1,000. Avoid $5 monthly service charge by maintaining a $1,000 minimum daily balance or a $2,000 minimum average daily balance for the month. 6 free transactions per month by pre-authorized automatic, telephone, checks, drafts, debit cards, or other similar order; $5 per transaction in excess thereafter. No interest paid if account closes before statement cycle date.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $25,000Avoid $5 monthly service charge by maintaining a $1,000 minimum daily balance or a $2,000 minimum average daily balance for the month.	1.76%	$176	Avoid $5 monthly service charge by maintaining a $1,000 minimum daily balance or a $2,000 minimum average daily balance for the month.
$25,000 – $50,000Avoid $5 monthly service charge by maintaining a $1,000 minimum daily balance or a $2,000 minimum average daily balance for the month.	1.92%	—	Avoid $5 monthly service charge by maintaining a $1,000 minimum daily balance or a $2,000 minimum average daily balance for the month.
$50,000 and upAvoid $5 monthly service charge by maintaining a $1,000 minimum daily balance or a $2,000 minimum average daily balance for the month.	2.02%	—	Avoid $5 monthly service charge by maintaining a $1,000 minimum daily balance or a $2,000 minimum average daily balance for the month.

Sources (2)

All captured Sep 17, 2026

Special-purpose accounts

Real Saver

Up to 3.03%APYAge limitsRequirements apply$100 to open

Links to free Reward Checking account. Automatic transfers of Reward Checking earnings. Opening deposit waived for minors (under 18) and full-time students.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceApplies to all balances if qualifications are not met in Reward Checking.	1.26%	$126	Applies to all balances if qualifications are not met in Reward Checking.
Up to $100,000Qualifying for Reward Checking rewards automatically qualifies for highest Real Saver rate. During each Monthly Qualification Cycle: at least 10 debit card purchases post and settle, at least one direct deposit, ACH credit, or ACH payment transaction, and enrolled in and agree to review eStatements.	3.03%	$303	Qualifying for Reward Checking rewards automatically qualifies for highest Real Saver rate. During each Monthly Qualification Cycle: at least 10 debit card purchases post and settle, at least one direct deposit, ACH credit, or ACH payment transaction, and enrolled in and agree to review eStatements.
Over $100,000Applies to balances over $100,000.00 if qualifications are met during monthly qualification cycle on Reward Checking. During each Monthly Qualification Cycle: at least 10 debit card purchases post and settle, at least one direct deposit, ACH credit, or ACH payment transaction, and enrolled in and agree to review eStatements.	2.52%	—	Applies to balances over $100,000.00 if qualifications are met during monthly qualification cycle on Reward Checking. During each Monthly Qualification Cycle: at least 10 debit card purchases post and settle, at least one direct deposit, ACH credit, or ACH payment transaction, and enrolled in and agree to review eStatements.

Sources (3)

All captured Oct 16, 2026

Regular Savings

1.10%APYAge limits$100 to open

Avoid the $5 monthly service charge by maintaining a $100 minimum daily balance or a $200 minimum average daily balance for the statement cycle. Service charge of $5 and minimum opening deposit of $100 are waived for minors (under 18) and full-time students. 9 free withdrawals per statement cycle; $1 fee for excess withdrawals thereafter. No interest paid if account closes before statement cycle date.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balance$5 monthly service charge waived with $100 minimum daily balance or $200 minimum average daily balance for statement cycle, or for minors and full-time students.Any balance	1.10%	$110	$5 monthly service charge waived with $100 minimum daily balance or $200 minimum average daily balance for statement cycle, or for minors and full-time students.

Sources (3)

All captured Oct 16, 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.

Visit institution website ↗Branches and institution details

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