Bank · FDIC insured
First State Bank Savings Rates
First State Bank’s best savings rate is 0.20% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How First State Bank’s savings rates compare
Compared with banks and credit unions in Iowa, where First State Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Bank
0.20%APY
- Minimum
- $100
- Earns on $10,000 a year
- $20
Money Market Savings
Top rate
Employees Credit Union
3.82%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $381
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
First State Bank savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0002.43%
- 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.
SUPER 7
2.43%APY
*a: penalty on early withdrawal. *b: footnote applies. *c: daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.43% | $243 |
Sources (1)
- fsb-nashua.com/auth/CurrentInterestRates.pdf · captured Oct 16, 2026
Money Market Savings
0.20%APY
Tiered rate for higher rates of interest for higher account balance. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Daily balance up to $2,499.99. Rate may change after account opening. | 0.10% | — | Daily balance up to $2,499.99. Rate may change after account opening. |
| $2,500 – $10,000Daily balance $2,500.00-$9,999.99. Rate may change after account opening. | 0.15% | — | Daily balance $2,500.00-$9,999.99. Rate may change after account opening. |
| $10,000 – $50,000Daily balance $10,000.00-$49,999.99. Rate may change after account opening. | 0.20% | $20 | Daily balance $10,000.00-$49,999.99. Rate may change after account opening. |
| $50,000 – $75,000Daily balance $50,000.00-$74,999.99. Rate may change after account opening. | 0.30% | — | Daily balance $50,000.00-$74,999.99. Rate may change after account opening. |
| $75,000 – $100,000Daily balance $75,000.00-$99,999.99. Rate may change after account opening. | 0.40% | — | Daily balance $75,000.00-$99,999.99. Rate may change after account opening. |
| $100,000 and upDaily balance $100,000.00 and above. Rate may change after account opening. | 0.50% | — | Daily balance $100,000.00 and above. Rate may change after account opening. |
Sources (2)
All captured Sep 18, 2026
Regular Savings
0.10%APY
Interest paid quarterly; statement mailed semiannually. Interest rate and annual percentage yield may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceThe interest rate and annual percentage yield may change after account opening. If account is inactive for one year and balance is under $50, a $2.50 quarterly dormant fee is assessed.Any balance | 0.10% | $10 | The interest rate and annual percentage yield may change after account opening. If account is inactive for one year and balance is under $50, a $2.50 quarterly dormant fee is assessed. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Savings
2.52%APY
A penalty will be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening. Daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upA penalty will be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening. Daily balance method.$100 and up | 2.52% | $252 | A penalty will be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening. Daily balance method. |
Sources (1)
- fsb-nashua.com/auth/CurrentInterestRates.pdf · captured Oct 16, 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.