Bank · FDIC insured
First State Bank Savings Rates
First State Bank’s best savings rate is 0.20% APY on $10,000, with its Regular Savings Account. Rates checked October 22, 2026.
How First State Bank’s savings rates compare
Compared with banks and credit unions in Nebraska, where First State Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Bank
0.20%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $20
Regular Savings Account
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Flatwater Bank
3.60%APY
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000 a year
- $360
First State Bank savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- 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 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.
Regular Savings Account
0.20%APY
Variable rate account; rate and APY may change after opening. Interest is compounded and credited quarterly. Accrued interest is not received if closed before crediting.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account. Interest compounded and credited quarterly; accrued interest is forfeited if the account is closed before interest is credited.Any balance | 0.20% | $20 | Variable rate account. Interest compounded and credited quarterly; accrued interest is forfeited if the account is closed before interest is credited. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Accounts
3.03%APY
First State Bank IRA accounts are savings accounts offered as Traditional and ROTH IRAs. Variable rate account; rate and APY may change after opening. Interest is compounded and credited quarterly. Accrued interest is forfeited if the account is closed before interest is credited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account. Minimum opening deposit of $100. Interest compounded and credited quarterly; accrued interest is forfeited if closed before interest is credited.Any balance | 3.03% | $303 | Variable rate account. Minimum opening deposit of $100. Interest compounded and credited quarterly; accrued interest is forfeited if closed before interest is credited. |
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.