Bank · FDIC insured
First State Bank Savings Rates
First State Bank’s best savings rate is 3.00% APY, with its Kasasa Saver, with extra requirements. Rates checked October 16, 2026.
How First State Bank’s savings rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where First State Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $300
Kasasa Saver
Top rate
General Electric Credit Union
4.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $425
2nd-highest rate
CFBank
4.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $425
First State Bank savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified3.00%
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.
Ohio Homebuyer Plus Savings Account
4.75%APY
Must be an Ohio resident at least 18 years of age with a primary residence in Ohio, approved by the Ohio Treasurer's Office. Account must be individually owned and proceeds used toward down payment or closing costs of an eligible primary residence in Ohio within 5 years. Maximum balance of $100,000 excluding interest paid (if reached, account must be closed within one year for accounts opened on/after April 1, 2025). Account closed within 90 days after any withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $100,000Must maintain a minimum balance of $500.00 to obtain the APY. Compounded daily and credited to account.$500 – $100,000 | 4.75% | $475 | Must maintain a minimum balance of $500.00 to obtain the APY. Compounded daily and credited to account. |
Sources (1)
- fsb4me.com/homebuyerplus · captured Sep 26, 2026
Kasasa Saver
Up to 3.00%APY
Must link to Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per social security number. Must be 18+ to apply online or 16+ to apply in branch with parent/guardian.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Requires meeting qualifications in attached Kasasa Cash or Kasasa Cash Back checking account during monthly qualification cycle (at least 12 debit card purchases post and settle, enrolled in and agree to receive e-statements, and enrolled in/log into online banking). | 3.00% | $300 | Requires meeting qualifications in attached Kasasa Cash or Kasasa Cash Back checking account during monthly qualification cycle (at least 12 debit card purchases post and settle, enrolled in and agree to receive e-statements, and enrolled in/log into online banking). |
| Any balanceBase rate applied to all balances if qualifications are not met in attached Kasasa checking account. | 0.05% | $5 | Base rate applied to all balances if qualifications are not met in attached Kasasa checking account. |
| $50,000 and upEarns 2.47% interest rate on portion of balance over $50,000 resulting in 3.00% to 2.63% APY depending on balance, when qualification requirements are met in attached Kasasa Cash or Kasasa Cash Back checking. | 2.50% | — | Earns 2.47% interest rate on portion of balance over $50,000 resulting in 3.00% to 2.63% APY depending on balance, when qualification requirements are met in attached Kasasa Cash or Kasasa Cash Back checking. |
Sources (1)
- fsb4me.com/personal/kasasa-saver · captured Sep 26, 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.