Bank · FDIC insured
The First State Bank Savings Rates
The First State Bank’s best savings rate is 0.50% APY on $10,000, with its Tiered Money Market. Rates checked October 16, 2026.
How The First State Bank’s savings rates compare
Compared with banks and credit unions near Houston, TX, where The First State Bank has the most branches. $10,000, best rate first.
This bank’s best
The First State Bank
0.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Tiered Money Market
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
The First State Bank savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0002.02%
- QualifiedQualified0.50%
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 State 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.
Tiered Money Market
0.50%APY
$2,500.00 to open. Monthly fee waived on balances over $2,500.00; tiered activity service charge applies on daily balances below $2,500.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $49,999 | 0.50% | $50 |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 and up | 2.02% | — |
Sources (3)
All captured Sep 17, 2026
Savings
0.20%APY
Interest bearing. Avoid $4.00 monthly activity service charge by maintaining daily balance over $100.00. Up to 6 pre-authorized withdrawals/transfers per month allowed, with a $10.00 service charge per withdrawal in excess of 6.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAvoid $4.00 monthly activity service charge on daily balances over $100.00. Excess withdrawal fee of $10.00 applies after 6 pre-authorized withdrawals/transfers per month.$100 and up | 0.20% | $20 | Avoid $4.00 monthly activity service charge on daily balances over $100.00. Excess withdrawal fee of $10.00 applies after 6 pre-authorized withdrawals/transfers per month. |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
UTMA Savings
0.20%APY
Designed for minor UTMA accounts. Avoid low balance fee on daily balances over $50. Up to 6 pre-authorized withdrawals/transfers per month allowed, with a $10.00 service charge per withdrawal in excess of 6.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upFor minor UTMA Savings accounts. Avoid low balance fee with daily balances over $50. $10.00 service charge per withdrawal in excess of 6 pre-authorized withdrawals/transfers per month.$50 and up | 0.20% | $20 | For minor UTMA Savings accounts. Avoid low balance fee with daily balances over $50. $10.00 service charge per withdrawal in excess of 6 pre-authorized withdrawals/transfers per month. |
Sources (3)
All captured Sep 17, 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.