Bank · FDIC insured
FirstOak Bank Savings Rates
FirstOak Bank’s best savings rate is 0.20% APY on $10,000, with its Personal Savings. Rates checked October 16, 2026.
How FirstOak Bank’s savings rates compare
Compared with banks and credit unions near Pueblo, CO, where FirstOak Bank has the most branches. $10,000, best rate first.
This bank’s best
FirstOak Bank
0.20%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $20
Personal Savings
Top rate
Altra Federal Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Meritrust Credit Union – Colorado
3.50%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $350
FirstOak Bank savings score
69
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.20%
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 FirstOak 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 Markets
0.15%APY
Interest earned on average daily balance over $2,500. $8.00 monthly service charge if average daily balance falls below $2,500. Tiered interest rate subject to daily change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999Monthly service charge of $8.00 applies if average daily balance falls below $2,500. | 0.15% | $15 | Monthly service charge of $8.00 applies if average daily balance falls below $2,500. |
| $25,000 – $99,999Monthly service charge of $8.00 applies if average daily balance falls below $2,500. | 0.20% | — | Monthly service charge of $8.00 applies if average daily balance falls below $2,500. |
| $100,000 and upMonthly service charge of $8.00 applies if average daily balance falls below $2,500. | 0.25% | — | Monthly service charge of $8.00 applies if average daily balance falls below $2,500. |
Sources (1)
- firstoakbank.com/banking/money-markets · captured Oct 5, 2026
Personal Savings
0.20%APY
Quarterly statements. Maintenance and/or activity fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.20% | $20 |
Sources (1)
- firstoakbank.com/banking/savings · captured Oct 5, 2026
Special-purpose accounts
Santa Savers
0.25%APY
No minimum balance or opening balance required. Yearly statements. Interest paid annually if balance is $99 or more (greater than $99). Maintenance and/or activity fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $99 and upInterest paid annually if balance is $99 or more (greater than $99). No opening deposit or minimum balance required.$99 and up | 0.25% | $25 | Interest paid annually if balance is $99 or more (greater than $99). No opening deposit or minimum balance required. |
Sources (1)
- firstoakbank.com/banking/savings · captured Oct 5, 2026
Young Savers
0.25%APY
For kids 18 and under. Quarterly statements. Maintenance and/or activity fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upFor kids 18 and under.$25 and up | 0.25% | $25 | For kids 18 and under. |
Sources (1)
- firstoakbank.com/banking/savings · captured Oct 5, 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.