Bank · FDIC insured
The First National Bank of Groton Savings Rates
The First National Bank of Groton’s best savings rate is 0.10% APY on $10,000, with its Money Market Investment Account (MMIA). Rates checked October 16, 2026.
How The First National Bank of Groton’s savings rates compare
Compared with banks and credit unions near Auburn, NY, where The First National Bank of Groton has the most branches. $10,000, best rate first.
This bank’s best
The First National Bank of Groton
0.75%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $75
Free First Choice Savings
Top rate
Five Star Bank
2.75%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $275
2nd-highest rate
AmeriCU Credit Union
1.25%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $125
The First National Bank of Groton savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.75%
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 The First National Bank of Groton 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.
Free First Choice Savings
Up to 0.75%APY
Requires linked First Choice Interest or First Choice Cash Back checking account. Limit of one account per customer. Monthly direct deposit/ACH credit and eStatements are required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Qualifying requirements met in linked First Choice checking: at least 15 debit card purchases (each > $7), at least 1 direct deposit or ACH credit transaction post and settle, and enrolled in eStatements during each Monthly Qualification Cycle. | 0.75% | $75 | Qualifying requirements met in linked First Choice checking: at least 15 debit card purchases (each > $7), at least 1 direct deposit or ACH credit transaction post and settle, and enrolled in eStatements during each Monthly Qualification Cycle. |
| Any balanceApplies to entire daily balance if qualifications in linked First Choice checking account are not met. | 0.05% | $5 | Applies to entire daily balance if qualifications in linked First Choice checking account are not met. |
Sources (2)
All captured Oct 5, 2026
Money Market Investment Account (MMIA)
Up to 0.10%APY
Excludes municipal accounts. Avoid the $5 monthly service charge by maintaining a daily balance of $1,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upCompounded daily and credited on the last day of each statement cycle. Maintain a daily balance of $1,000 or more to avoid the $5 monthly service charge. | 0.05% | $5 | Compounded daily and credited on the last day of each statement cycle. Maintain a daily balance of $1,000 or more to avoid the $5 monthly service charge. |
| $10,000 and upCompounded daily and credited on the last day of each statement cycle. Maintain a daily balance of $1,000 or more to avoid the $5 monthly service charge. | 0.10% | $10 | Compounded daily and credited on the last day of each statement cycle. Maintain a daily balance of $1,000 or more to avoid the $5 monthly service charge. |
| $25,000 and upCompounded daily and credited on the last day of each statement cycle. Maintain a daily balance of $1,000 or more to avoid the $5 monthly service charge. | 0.15% | — | Compounded daily and credited on the last day of each statement cycle. Maintain a daily balance of $1,000 or more to avoid the $5 monthly service charge. |
| $50,000 and upCompounded daily and credited on the last day of each statement cycle. Maintain a daily balance of $1,000 or more to avoid the $5 monthly service charge. | 0.20% | — | Compounded daily and credited on the last day of each statement cycle. Maintain a daily balance of $1,000 or more to avoid the $5 monthly service charge. |
| $250,000 and upCompounded daily and credited on the last day of each statement cycle. Maintain a daily balance of $1,000 or more to avoid the $5 monthly service charge. | 0.30% | — | Compounded daily and credited on the last day of each statement cycle. Maintain a daily balance of $1,000 or more to avoid the $5 monthly service charge. |
Sources (2)
All captured Oct 5, 2026
Money Market Checking Account (MMCA)
0.05%APY
Avoid the $5 monthly service charge by maintaining a daily balance of $1,000 or more; otherwise, an additional $0.20 fee applies for each check, telephone transfer debit, and NetTeller transfer debit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns interest on entire balance compounded daily and paid at statement cycle end. Avoid the $5 monthly service charge by maintaining a daily balance of $1,000 or more.Any balance | 0.05% | $5 | Earns interest on entire balance compounded daily and paid at statement cycle end. Avoid the $5 monthly service charge by maintaining a daily balance of $1,000 or more. |
Sources (2)
All captured Oct 5, 2026
Basic Savings
0.05%APY
Avoid the quarterly service charge of $3 by maintaining a daily balance of $50.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Variable IRA
0.55%APY
Variable rate tied to 6 month CD rate; may change at any time determined by the Bank at discretion. Substantial penalty for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upVariable rate tied to 6 month CD rate.$250 and up | 0.55% | $55 | Variable rate tied to 6 month CD rate. |
Sources (1)
- grotonbank.com/services/resources/rates · captured Oct 5, 2026
Holiday Club Accounts
0.05%APY
Check for account balance including interest is sent at the end of October each calendar year. Early withdrawal fee of $1.00 per withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 5, 2026
Youth Savings
0.05%APY
Available to individuals 18 years of age and under.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All 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.