Bank · FDIC insured
First State Bank & Trust Company Carthage Savings Rates
First State Bank & Trust Company Carthage’s best savings rate is 0.20% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How First State Bank & Trust Company Carthage’s savings rates compare
Compared with banks and credit unions in Texas, where First State Bank & Trust Company Carthage has the most branches. $10,000, best rate first.
This bank’s best
First State Bank & Trust Company Carthage
0.20%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $20
Money Market
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
First State Bank & Trust Company Carthage savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.20%
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 State Bank & Trust Company Carthage 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.
Super Money Market
0.20%APY
Available to individuals. Minimum opening balance $2,500.00. Maintenance fee is $10.00 if minimum daily balance is below $2,500.00, no charge if over $2,499.99.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Must maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99. | 0.20% | $20 | Must maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99. |
| $25,000 – $75,000Must maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99. | 0.55% | — | Must maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99. |
| $75,000 – $150,000Must maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99. | 0.60% | — | Must maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99. |
| $150,000 – $500,000Must maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99. | 0.75% | — | Must maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99. |
| $500,000 and upMust maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99. | 0.95% | — | Must maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99. |
Sources (2)
All captured Oct 6, 2026
Money Market
0.20%APY
Available to individuals. Minimum opening balance $2,500.00. Maintenance fee is $10.00 if minimum daily balance is below $2,500.00, no charge if over $2,499.99.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMust maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99.$2,500 and up | 0.20% | $20 | Must maintain the minimum daily balance each day to obtain the disclosed annual percentage yield. Maintenance fee waived if minimum daily balance is over $2,499.99. |
Sources (2)
All captured Oct 6, 2026
Savings Account
0.15%APY
Compounded and credited monthly. Maintenance fee of $5.00 per month if balance is below $100.00 (no charge if minimum balance is over $99.99). Six transfers/withdrawals allowed per month; $3.00 fee per debit transaction in excess of six per month. Rate may change at any time. Minimum daily balance required to obtain APY. Negotiable on balances of $100,000.00 or more for existing funds.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain the minimum daily balance each day to obtain APY. $5.00 monthly fee if balance falls below $100.00.$100 and up | 0.15% | $15 | Must maintain the minimum daily balance each day to obtain APY. $5.00 monthly fee if balance falls below $100.00. |
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.