Bank · FDIC insured
First State Bank and Trust Savings Rates
First State Bank and Trust’s best savings rate is 0.50% APY on $10,000, with its Investors Plus Money Market. Rates checked October 16, 2026.
How First State Bank and Trust’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where First State Bank and Trust has the most branches. $10,000, best rate first.
This bank’s best
First State Bank and Trust
0.50%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $50
Investors Plus Money Market
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
First State Bank and Trust savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.51%
- QualifiedQualified0.50%
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 and 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.
Investors Plus Money Market
0.50%APY
Tiered interest rates that increase as balance grows. Rates may change after account is opened. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.50% | $50 |
| $25,000 – $75,000 | 1.00% | — |
| $75,000 – $250,000 | 1.51% | — |
| $250,000 – $500,000 | 2.02% | — |
| $500,000 and up | 2.53% | — |
Sources (2)
All captured Oct 5, 2026
Statement Savings
0.05%APY
Interest compounded and credited quarterly (variable rate). $0 monthly maintenance charge with a $100 minimum balance ($2 if balance falls below $100).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly maintenance charge of $2 is waived with a $100 minimum balance. Variable interest rate compounded and credited quarterly.Any balance | 0.05% | $5 | Monthly maintenance charge of $2 is waived with a $100 minimum balance. Variable interest rate compounded and credited quarterly. |
Sources (3)
- fsbt.com/personal/accounts/statement-savings
- fsbt.com/resources/learn-more/rates
- fsbt.com/Personal/Accounts/savings-accounts
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account
0.60%APY
Requires coverage under a High Deductible Health Plan (HDHP). Account subject to minimal annual service charge to cover administration.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier applies to balances between $0.00 and $4,999.99. HDHP eligibility required. Minimal annual service charge applies as per fee schedule. | 0.15% | — | Tier applies to balances between $0.00 and $4,999.99. HDHP eligibility required. Minimal annual service charge applies as per fee schedule. |
| $5,000 and upTier applies to balances $5,000.00 and above. HDHP eligibility required. Minimal annual service charge applies as per fee schedule. | 0.60% | $60 | Tier applies to balances $5,000.00 and above. HDHP eligibility required. Minimal annual service charge applies as per fee schedule. |
Sources (2)
All captured Oct 5, 2026
SuperKids Savings
0.05%APY
Designed for children under 18. No minimum balance requirement for children under 18. $2 monthly fee applies if balance falls below $100 for ages 18+. Interest compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly maintenance charge is $0 for children under 18; $2 if balance falls below $100 for ages 18+. Interest compounded and credited quarterly.Any balance | 0.05% | $5 | Monthly maintenance charge is $0 for children under 18; $2 if balance falls below $100 for ages 18+. Interest compounded and credited quarterly. |
Sources (3)
- fsbt.com/personal/accounts/superkids-savings
- fsbt.com/resources/learn-more/rates
- fsbt.com/Personal/Accounts/savings-accounts
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.