Bank · FDIC insured
First State Bank Savings Rates
A $674.3M bank headquartered in Webster City, IA, with 8 branches in Iowa.
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
1.75%APY
- Requires
- Conditions apply
- Minimum
- $10
- Earns on $10,000 a year
- $175
Christmas Club Savings
Top rate
Employees Credit Union
3.82%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $381
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Christmas Club Savings
Up to 1.75%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceWith automatic transfer into account. Enrollment period 11/01/2025 - 2/01/2026. Interest credited and balance paid as of October 31, 2026. Early withdrawal penalties may apply. Rate may change after account is opened.Any balance | 1.75% | $175 | With automatic transfer into account. Enrollment period 11/01/2025 - 2/01/2026. Interest credited and balance paid as of October 31, 2026. Early withdrawal penalties may apply. Rate may change after account is opened. |
| Any balanceWithout auto-transfer. Enrollment period 11/01/2025 - 2/01/2026. Interest credited and balance paid as of October 31, 2026. Early withdrawal penalties may apply. Rate may change after account is opened.Any balance | 1.50% | $150 | Without auto-transfer. Enrollment period 11/01/2025 - 2/01/2026. Interest credited and balance paid as of October 31, 2026. Early withdrawal penalties may apply. Rate may change after account is opened. |
Sources (2)
- fsbwc.com/personal-banking/sav…/savings-account-options
- fsbwc.com/personal-banking/sav…s/christmas-club-savings
All captured Sep 18, 2026
Opening an account
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