Bank · FDIC insured
Panhandle First Bank Savings Rates
Panhandle First Bank’s best savings rate is 1.11% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Panhandle First Bank’s savings rates compare
Compared with banks and credit unions near Dumas, TX, where Panhandle First Bank has the most branches. $10,000, best rate first.
This bank’s best
Panhandle First Bank
3.05%APY
- Minimum
- $25
- Earns on $10,000 a year
- $305
Emergency Savings Account
2nd-highest rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
3rd-highest rate
Texan Sky Credit Union
0.40%APY
- Minimum
- $5
- Earns on $10,000 a year
- $40
Panhandle First Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0001.01%
- $10,000 balance$10,0003.05%
- $100,000 balance$100,0001.21%
- QualifiedQualified3.05%
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 Panhandle First 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.
Emergency Savings Account
3.05%APY
Limited to 2 withdrawals per month ($10 per excess withdrawal). 1 account per customer. Monthly maintenance fee of $10 is waived with 1 customer-initiated deposit during statement cycle OR $2,500 minimum average daily balance. e-Statements included; paper statements $4/mo.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Tier for balances $1 - $20,000. Stated APY range is 0.00% - 3.04%. No minimum balance to obtain APY. Monthly fee of $10 waived with 1 customer-initiated deposit during statement cycle or $2,500 minimum ADB. | 3.05% | $305 | Tier for balances $1 - $20,000. Stated APY range is 0.00% - 3.04%. No minimum balance to obtain APY. Monthly fee of $10 waived with 1 customer-initiated deposit during statement cycle or $2,500 minimum ADB. |
| $20,001 and upTier for balances $20,001+. Stated APY range is 1.02% - 3.04%. No minimum balance to obtain APY. Monthly fee of $10 waived with 1 customer-initiated deposit during statement cycle or $2,500 minimum ADB. | 1.01% | — | Tier for balances $20,001+. Stated APY range is 1.02% - 3.04%. No minimum balance to obtain APY. Monthly fee of $10 waived with 1 customer-initiated deposit during statement cycle or $2,500 minimum ADB. |
Sources (2)
All captured Sep 18, 2026
Money Market
1.11%APY
Monthly maintenance fee is waived with $2,500 average daily balance. Minimum deposit of $100.00 to open an account (p44 states minimum of $2,500 to open), and must maintain a minimum balance of $2500.00 to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $50,000 | 1.11% | $111 |
| $50,000 – $250,000 | 1.21% | — |
| $250,000 – $500,000 | 1.31% | — |
| $500,000 and up | 1.41% | — |
Savings Account
1.01%APY
Monthly maintenance fee of $5 is waived with $300 average daily balance OR for Students up to 19 years old (Primary Account Holder). Limited to a maximum of 4 withdrawals per month. e-Statements included; paper statements $4/mo.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to obtain APY. Monthly fee of $5 waived with $300 average daily balance or for students up to 19 years old.Any balance | 1.01% | $101 | No minimum balance to obtain APY. Monthly fee of $5 waived with $300 average daily balance or for students up to 19 years old. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Health Savings Account (HSA)
1.00%APY
Available to adults under 65 covered under a high-deductible health plan (HDHP) not enrolled in Medicare. e-Statements included; paper statements $4/mo. No service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMust maintain a minimum balance of $1,000.00 to obtain APY. No service fee.$1,000 and up | 1.00% | $100 | Must maintain a minimum balance of $1,000.00 to obtain APY. No service fee. |
Sources (2)
All captured Sep 18, 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.