Bank · FDIC insured
First State Bank Savings Rates
First State Bank’s best savings rate is 0.55% APY on $10,000, with its Community First Money Market. Rates checked October 22, 2026.
How First State Bank’s savings rates compare
Compared with banks and credit unions near Lexington, NE, where First State Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Bank
0.55%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $55
Community First Money Market
Top rate
Flatwater Bank
3.60%APY
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000 a year
- $360
2nd-highest rate
Pathway Bank
1.10%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $110
First State Bank savings score
81
Savings score
Higher than 55% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0001.25%
- QualifiedQualified0.55%
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 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.
Community First Money Market
0.55%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000Tier 5; Average Daily Balance $1,000 - 5,000 | 0.45% | — | Tier 5; Average Daily Balance $1,000 - 5,000 |
| $5,000 – $20,000Tier 4; Average Daily Balance > $5,000 - 20,000 | 0.55% | $55 | Tier 4; Average Daily Balance > $5,000 - 20,000 |
| $20,000 – $100,000Tier 3; Average Daily Balance >$20,000 - 100,000 | 1.00% | — | Tier 3; Average Daily Balance >$20,000 - 100,000 |
| $100,000 – $250,000Tier 2; Average Daily Balance >$100,000 - 250,000 | 1.25% | — | Tier 2; Average Daily Balance >$100,000 - 250,000 |
| $250,000 and upTier 1; Average Daily Balance >$250,000 | 1.50% | — | Tier 1; Average Daily Balance >$250,000 |
Sources (1)
- 1ststatebank4me.com/depositrates · captured Sep 18, 2026
Community First Priority Savings
0.40%APY
No minimum balance or maintenance fee for individuals 18 years of age or younger. Limited to 6 preauthorized/automatic transfers per 4-week period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5.00 monthly maintenance fee applies if balance falls below $100.00; fee is waived with e-statements and a $25.00 monthly transfer from any checking account. Interest calculated by average daily balance method.Any balance | 0.40% | $40 | $5.00 monthly maintenance fee applies if balance falls below $100.00; fee is waived with e-statements and a $25.00 monthly transfer from any checking account. Interest calculated by average daily balance method. |
Special-purpose accounts
Christmas Club Account
2.00%APY
Deposits cannot exceed $2,500.00/year. Account will be closed if any withdrawals occur before maturity. Balance is paid by check on the Friday before Thanksgiving.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounds and pays annually.Any balance | 2.00% | $200 | Interest compounds and pays annually. |
Health Savings Account (HSA)
0.15%APY
Available to US taxpayers enrolled in a high deductible health plan (HDHP).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
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.