Bank · FDIC insured
First State Bank Nebraska Savings Rates
First State Bank Nebraska’s best savings rate is 2.00% APY on $10,000, with its First Rate Savings. Rates checked October 22, 2026.
How First State Bank Nebraska’s savings rates compare
Compared with banks and credit unions near Omaha, NE-IA, where First State Bank Nebraska has the most branches. $10,000, best rate first.
This bank’s best
First State Bank Nebraska
2.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $200
First Rate Savings
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Cornhusker Bank
3.46%APY
- Minimum
- $100
- Earns on $10,000 a year
- $346
First State Bank Nebraska savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.15%
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 Nebraska 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.
First Rate Savings
2.00%APY
Account must receive eStatements. Rate when requirements are not met is 0.01%. No monthly service charge, no minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be enrolled in eStatements and have a $100 minimum deposit; rate is 0.01% if requirements not met.Any balance | 2.00% | $200 | Must be enrolled in eStatements and have a $100 minimum deposit; rate is 0.01% if requirements not met. |
Sources (1)
- 1fsb.bank/personal/banking/savings · captured Sep 24, 2026
Money Market Savings Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.10% | $10 |
| $50,000 – $100,000 | 0.25% | — |
| $100,000 – $250,000 | 1.00% | — |
| $250,000 and up | 1.50% | — |
Sources (1)
- 1fsb.bank/personal/banking/savings · captured Sep 18, 2026
Special-purpose accounts
Health Savings Accounts
1.25%APY
Available to customers who are enrolled in a high-deductible health plan. No monthly service charges.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Available to customers enrolled in a high-deductible health plan. | 0.25% | — | Available to customers enrolled in a high-deductible health plan. |
| $1,000 – $5,000Available to customers enrolled in a high-deductible health plan. | 0.50% | — | Available to customers enrolled in a high-deductible health plan. |
| $5,000 and upAvailable to customers enrolled in a high-deductible health plan. | 1.25% | $125 | Available to customers enrolled in a high-deductible health plan. |
Sources (1)
- 1fsb.bank/personal/banking/savings · captured Sep 24, 2026
IRA Accounts
0.75%APY
Offers Traditional, Simple, Roth, and SEP IRAs. Withdrawals prior to maturity may be subject to penalty. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceWithdrawals prior to maturity may be subject to penalty. Rates may change after the account is opened.Any balance | 0.75% | $75 | Withdrawals prior to maturity may be subject to penalty. Rates may change after the account is opened. |
Sources (1)
- 1fsb.bank/personal/banking/cds-iras · captured Sep 24, 2026
Savings
0.15%APY
A service charge of $4 will be charged if average daily balance falls below $100 per statement cycle (waived for youth under 19).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $75,000Monthly service charge of $4 waived if average daily balance is $100 or more, or for youth under 19. | 0.15% | $15 | Monthly service charge of $4 waived if average daily balance is $100 or more, or for youth under 19. |
| $75,000 and upMonthly service charge of $4 waived if average daily balance is $100 or more, or for youth under 19. | 0.20% | — | Monthly service charge of $4 waived if average daily balance is $100 or more, or for youth under 19. |
Sources (1)
- 1fsb.bank/personal/banking/savings · captured Sep 24, 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.