Bank · FDIC insured
First Security State Bank Savings Rates
First Security State Bank’s best savings rate is 0.40% APY on $10,000, with its Platinum Money Market Account. Rates checked October 16, 2026.
How First Security State Bank’s savings rates compare
Compared with banks and credit unions near Waterloo, IA, where First Security State Bank has the most branches. $10,000, best rate first.
This bank’s best
First Security State Bank
0.40%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $40
Platinum Money Market Account
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Collins Community Credit Union
3.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $305
First Security State Bank savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.40%
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 State 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.
Platinum Money Market Account
0.40%APY
Variable tiered interest rate. $6 monthly maintenance fee applies if balance falls below the $5,000 minimum. Fees may reduce earnings. Variable rates subject to change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $14,999$6 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. | 0.40% | $40 | $6 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. |
| $15,000 – $49,999$6 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. | 0.45% | — | $6 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. |
| $50,000 – $99,999$6 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. | 0.90% | — | $6 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. |
| $100,000 – $249,999$6 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. | 1.00% | — | $6 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. |
| $250,000 and up$6 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. | 1.05% | — | $6 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. |
Sources (2)
- fssbonline.com/personal/money-market-accounts-cds
- fssbonline.com/uploads/userfil…s/CD%20RATES%2009-16.pdf
All captured Sep 18, 2026
Money Market Account
0.35%APY
Variable tiered interest rate. $10 monthly maintenance fee applies if balance falls below the $1,000 minimum. Fees may reduce earnings. Variable rates subject to change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $24,999$10 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. | 0.35% | $35 | $10 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. |
| $25,000 – $99,999$10 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. | 0.60% | — | $10 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. |
| $100,000 and up$10 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. | 1.00% | — | $10 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings. |
Sources (2)
- fssbonline.com/personal/money-market-accounts-cds
- fssbonline.com/uploads/userfil…s/CD%20RATES%2009-16.pdf
All captured Sep 18, 2026
Regular Savings Account
0.10%APY
Variable interest rate; $25 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club Savings
0.15%APY
Deposits made by automatic transfer earn a variable interest rate. Balance is disbursed in October by automatic deposit into checking or savings account, or by check.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDeposits made by automatic transfer earn a variable interest rate.Any balance | 0.15% | $15 | Deposits made by automatic transfer earn a variable interest rate. |
Sources (2)
All captured Sep 18, 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.