Bank · FDIC insured
FSNB Savings Rates
FSNB’s best savings rate is 7.00% APY on $10,000, with its Cents-able Savings. Rates checked October 15, 2026.
How FSNB’s savings rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where FSNB has the most branches. $10,000, best rate first.
This bank’s best
FSNB
0.55%APY
- Requires
- Another account
- Minimum
- $5
- Earns on $10,000 a year
- $55
Military Smart Savers Plan
Top rate
Leaders Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
FSNB savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.70%
- QualifiedQualified0.55%
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 FSNB 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.
Cents-able Savings
7.00%APY
Requires maintaining an open FSNB checking account, an active FSNB Debit Card, and participating in savings round-up. Opening deposit restricted to maximum $100.00 on the same day the account is opened. $6.50 service charge per quarterly cycle if fewer than 30 POS/signature-based debit card transactions are made during the previous quarterly cycle. Approved credits are savings round-up deposits and opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn interest and obtain APY is $0.01. Opening deposit minimum $5.00 (maximum $100.00). Variable rate.Over $0 | 7.00% | $700 | Minimum balance to earn interest and obtain APY is $0.01. Opening deposit minimum $5.00 (maximum $100.00). Variable rate. |
Military Smart Savers Plan
0.55%APY
Available to military customers. Requires a Military Advanced Checking account with a minimum automatic funds transfer of $25.00 to keep active. Variable rate subject to change. Limit one account per individual. Reverts to regular savings if requirements are not maintained. 3 free withdrawals per quarter, then $1.50 per withdrawal. $6.50 fee per cycle if daily balance falls below $100.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier One: Balances up to $25,000. $5 minimum deposit to open. Variable rate. | 0.55% | $55 | Tier One: Balances up to $25,000. $5 minimum deposit to open. Variable rate. |
| $25,001 – $50,000Tier Two: Balances of $25,001 to $50,000. $5 minimum deposit to open. Variable rate. | 0.65% | — | Tier Two: Balances of $25,001 to $50,000. $5 minimum deposit to open. Variable rate. |
| $50,000 and upTier Three: Balances of $50,000. $5 minimum deposit to open. Variable rate. | 0.75% | — | Tier Three: Balances of $50,000. $5 minimum deposit to open. Variable rate. |
Sources (1)
- fsnb.com/military-smart-savers · captured Sep 18, 2026
Savings Account
0.50%APY
Tiered-rate savings account. $6.50 fee per quarterly cycle if daily balance falls below $100 on any day of cycle (waived with balance above $100 or Direct Deposit relationship). Unlimited withdrawals if daily balance stays at or above $500; if daily balance falls below $500, 3 free withdrawals per cycle, then $1.50 per additional withdrawal. $2 paper statement fee (waived with e-statements). $15 inactivity fee after 3 months inactivity. Minimum to open through mail is $200.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier One: Balances less than $5,000.00. Minimum balance to earn interest and obtain APY is $25. $5 minimum balance to open ($200 by mail). | 0.30% | — | Tier One: Balances less than $5,000.00. Minimum balance to earn interest and obtain APY is $25. $5 minimum balance to open ($200 by mail). |
| $5,000 – $50,000Tier Two: Balances $5,000.00 to $49,999.99. $5 minimum balance to open ($200 by mail). | 0.50% | $50 | Tier Two: Balances $5,000.00 to $49,999.99. $5 minimum balance to open ($200 by mail). |
| $50,000 and upTier Three: Balances $50,000.00 or more. $5 minimum balance to open ($200 by mail). | 0.70% | — | Tier Three: Balances $50,000.00 or more. $5 minimum balance to open ($200 by mail). |
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.