Bank · FDIC insured
First State Community Bank Savings Rates
First State Community Bank’s best savings rate is 0.35% APY on $10,000, with its Consumer Premium Money Market. Rates checked October 16, 2026.
How First State Community Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First State Community Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Community Bank
0.35%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $35
Consumer Premium Money Market
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
First State Community Bank savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0002.63%
- QualifiedQualified0.35%
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 Community 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.
Consumer Premium Money Market
0.35%APY
Must open a new Consumer Premium Money Market Account. Clients with an existing FSCB money market or who closed a Money Market Account within 30 days of opening are not eligible. Must be a Missouri resident. Cannot be opened online. Opening deposit $10,000. $20 monthly service charge waived by maintaining an average daily ledger balance of $10,000 or more. $3 monthly paper statement fee avoided by enrolling in electronic statements. Up to 6 free withdrawals per monthly statement cycle ($5 per additional withdrawal). Variable rate. Must maintain a minimum balance of $2,500 in the account each day to obtain disclosed APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain APY > 0. | 0.00% | — | Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain APY > 0. |
| $2,500 – $10,000Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. | 0.25% | — | Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. |
| $10,000 – $50,000Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. | 0.35% | $35 | Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. |
| $50,000 – $100,000Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. | 0.85% | — | Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. |
| $100,000 – $250,000Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. | 2.63% | — | Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. |
| $250,000 – $500,000Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. | 2.89% | — | Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. |
| $500,000 – $1,000,000Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. | 3.04% | — | Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. |
| $1,000,000 and upOpening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. | 3.56% | — | Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain disclosed APY. |
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.