Bank · FDIC insured
First Southern Bank Savings Rates
First Southern Bank’s best savings rate is 0.25% APY on $10,000, with its Premier Money Market. Rates checked October 16, 2026.
How First Southern Bank’s savings rates compare
Compared with banks and credit unions near Marion, IL, where First Southern Bank has the most branches. $10,000, best rate first.
This bank’s best
First Southern Bank
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $100
Kasasa Saver®
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
SIU Credit Union
1.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $171
First Southern Bank savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified1.00%
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 Southern 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.
Premier Money Market
0.25%APY
Earns tiered-rate interest credited monthly. Avoid the $10 monthly service fee by maintaining a $2,500 minimum daily balance. Transfers from this account to another account or to third parties by preauthorized, automatic, mobile device, telephone, computer transfer (including bill payments), withdrawals made by check, debit card, or similar order are limited to 6 per month (excess transfer fee of $10.00 per item applies).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upRequires a $2,500 minimum daily balance to earn APY and to avoid the $10 monthly service fee. Interest rate and APY are variable and subject to change at any time after account opening.$2,500 and up | 0.25% | $25 | Requires a $2,500 minimum daily balance to earn APY and to avoid the $10 monthly service fee. Interest rate and APY are variable and subject to change at any time after account opening. |
Star Savings
0.10%APY
$2 monthly service fee is waived by maintaining a $100 minimum daily balance for ages 18 and over; no minimum balance required for ages 17 and under. Includes 6 free withdrawals per month with a $3 excess withdrawal fee thereafter.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceFor ages 18 and over. Avoid $2 monthly service fee by maintaining a $100 minimum daily balance. 6 free withdrawals per month, $3 fee per withdrawal in excess thereafter.Any balance · $100 to open | 0.10% | $100 | $10 | For ages 18 and over. Avoid $2 monthly service fee by maintaining a $100 minimum daily balance. 6 free withdrawals per month, $3 fee per withdrawal in excess thereafter. |
| Any balanceFor ages 17 and under (minors). No minimum balance required to avoid monthly service fee. 6 free withdrawals per month, $3 fee per withdrawal in excess thereafter.Any balance · $10 to open | 0.10% | $10 | $10 | For ages 17 and under (minors). No minimum balance required to avoid monthly service fee. 6 free withdrawals per month, $3 fee per withdrawal in excess thereafter. |
Kasasa Saver®
0.00%APY on $10,000
Must be linked to a Kasasa Cash account. Qualifications to earn the higher rate include at least 1 direct deposit, ACH credit, or ACH payment transaction, at least 10 debit card purchases post and settle, enrollment in eStatements, and logging into digital banking per Monthly Qualification Cycle. No monthly service fee.
| Part of the balance | Rate on that part |
|---|---|
| $25,000 and up | 0.15% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Kasasa Saver® Plus
0.00%APY on $10,000
Must be linked to a Kasasa Cash® Plus account. Qualifications to earn the higher rate include at least 1 direct deposit, ACH credit, or ACH payment transaction, at least 30 debit card purchases post and settle, enrollment in eStatements, and logging into digital banking per Monthly Qualification Cycle. No monthly service fee.
| Part of the balance | Rate on that part |
|---|---|
| $25,000 and up | 0.15% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Special-purpose accounts
Health Savings Account (HSA)
2.02%APY
$20 annual maintenance fee applies. Available to individuals covered under an HSA-qualified high-deductible health plan (HDHP), with no other first-dollar medical coverage, not enrolled in Medicare, and not claimed as a dependent on another tax return.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$20 annual maintenance fee applies. Provides triple tax savings for qualified medical expenses.Any balance | 2.02% | $202 | $20 annual maintenance fee applies. Provides triple tax savings for qualified medical expenses. |
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.