Bank · FDIC insured
First State Bank Savings Rates
First State Bank’s best savings rate is 0.75% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How First State Bank’s savings rates compare
Compared with banks and credit unions near Grand Forks, ND-MN, where First State Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Bank
0.75%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $75
Money Market
Top rate
American State Bank
2.02%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $202
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
First State Bank savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.75%
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.
Money Market
0.75%APY
Minimum balance to avoid $10.00 monthly fee is $1,000. Limit of 6 preauthorized/automatic/telephone/check/debit transfers per statement period; unlimited in-person, messenger, mail, or ATM withdrawals. Interest compounded and credited monthly using the daily balance method. Free basic checks every order, no charge debit card, ATM fee refunds up to $12.00/month with receipt within 30 days. Must maintain a $0.01 balance to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000$10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY. | 0.75% | — | $10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY. |
| $10,000 – $25,000$10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY. | 0.75% | $75 | $10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY. |
| $25,000 – $100,000$10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY. | 1.01% | — | $10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY. |
| $100,000 – $250,000$10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY. | 1.26% | — | $10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY. |
| $250,000 and up$10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY. | 1.26% | — | $10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY. |
Special-purpose accounts
Vision Savings
3.80%APY
Designed for children before turning 18 to save for post-high-school expenses. APY guaranteed for the first year, variable thereafter. No withdrawals allowed until child reaches age 18; early withdrawal incurs penalty and account closure. Automatically converts to Relationship Savings at age 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0APY is guaranteed for the first year after account opening; rates may change at any time after the first year. Must maintain a $0.01 balance to obtain APY. No withdrawals allowed until age 18.Over $0 | 3.80% | $380 | APY is guaranteed for the first year after account opening; rates may change at any time after the first year. Must maintain a $0.01 balance to obtain APY. No withdrawals allowed until age 18. |
HSA Savings
0.75%APY
No minimum opening deposit required. Interest rate and APY may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No minimum opening deposit required. Must maintain a $0.01 balance to obtain APY. Interest rate and APY may change after account opening.Over $0 | 0.75% | $75 | No minimum opening deposit required. Must maintain a $0.01 balance to obtain APY. Interest rate and APY may change after account opening. |
Sources (1)
- firststatebanks.com/deposit-rates · captured Sep 19, 2026
IRA Savings
0.75%APY
Requires a minimum opening deposit of $200.00. Interest rate and APY may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain a $0.01 balance to obtain APY. Interest rate and APY may change after account opening.Over $0 | 0.75% | $75 | Must maintain a $0.01 balance to obtain APY. Interest rate and APY may change after account opening. |
Sources (1)
- firststatebanks.com/deposit-rates · captured Sep 19, 2026
Relationship Savings
0.20%APY
Minimum opening deposit of $100. $5.00 monthly fee if balance falls below $100; fee and minimum balance requirement waived for minors under 18 years old. Limited to 6 preauthorized, automatic, telephone, or electronic transfers/withdrawals per statement period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain a $0.01 balance to obtain APY. $5.00 monthly fee applies if balance falls below $100; waived for minors under age 18.Over $0 | 0.20% | $20 | Must maintain a $0.01 balance to obtain APY. $5.00 monthly fee applies if balance falls below $100; waived for minors under age 18. |
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.