Bank · FDIC insured
First Security Bank & Trust Savings Rates
First Security Bank & Trust’s best savings rate is 0.34% APY on $10,000, with its Investor’s Advantage Savings. Rates checked October 16, 2026.
How First Security Bank & Trust’s savings rates compare
Compared with banks and credit unions near Mason City, IA, where First Security Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
First Security Bank & Trust
1.19%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $119
Kasasa Saver
Top rate
CENT Credit Union
3.55%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $355
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
First Security Bank & Trust savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.34%
- $100,000 balance$100,0001.91%
- QualifiedQualified1.19%
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 Security Bank & Trust 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.
Investor’s Advantage Savings
0.34%APY
Tiered interest rate account. Free eStatements; paper statements have a $4.00 service charge per statement cycle. No minimum balance requirement to maintain account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000 | 0.34% | — | |
| $10,000 – $25,000 | 0.34% | $34 | |
| $25,000 – $50,000 | 0.66% | — | |
| $50,000 – $100,000 | 0.88% | — | |
| $100,000 – $250,000 | 1.91% | — | |
| $250,000 – $500,000 | 2.06% | — | |
| $500,000 and upApplies to balances equal to or greater than $500,000.00. | 2.17% | — | Applies to balances equal to or greater than $500,000.00. |
Sources (3)
- 1stsecurity.bank/investors-advantage-savings.html
- 1stsecurity.bank/rates.html
- 1stsecurity.bank/savings.html
All captured Oct 5, 2026
Kasasa Saver
0.00%APY on $10,000
Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. To earn qualifying rewards rates, must meet checking qualifications each monthly qualification cycle: at least 12 POS debit card purchases post and settle, at least 1 ACH automatic credit post and settle, maintain valid email address, and enroll in eStatements.
| Part of the balance | Rate on that part |
|---|---|
| Over $15,000 | 0.08% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Better Bee Savings
0.11%APY
Designed for children 10 and younger. In the month after turning 11, account transitions to a Savings account. Children can receive a $5.00 earnings payment/bonus when making a minimum of 5 deposits of at least $5.00 each during a quarter (limit 1 bonus per SSN per quarter).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Applies to balances less than $10,000.00. | 0.11% | — | Applies to balances less than $10,000.00. |
| $10,000 – $50,000Applies to balances equal to or greater than $10,000.00, but less than $50,000.00. | 0.11% | $11 | Applies to balances equal to or greater than $10,000.00, but less than $50,000.00. |
| $50,000 – $100,000Applies to balances equal to or greater than $50,000.00, but less than $100,000.00. | 0.16% | — | Applies to balances equal to or greater than $50,000.00, but less than $100,000.00. |
| $100,000 and upApplies to balances equal to or greater than $100,000.00. | 0.21% | — | Applies to balances equal to or greater than $100,000.00. |
Sources (3)
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.