First Service Bank savings, CD and money market rates
First Service Bank advertises 0.85% APY on its Saver Account. The 0.85% applies to balances up to $20,000. A larger balance earns 0.65% on the whole amount.
That is 0.48 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #826 of 2767 tracked savings rates by advertised APY. For a $10,000 balance it would rank #606.
Estimate your earnings·What First Service Bank actually pays
First Service Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.85% · Saver Account · up to $20,000 only |
| Minimum to open | $100 · Saver Account |
| Against the national average | 0.48 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.30% · 13 months · 13-Month CD |
| Minimum to open | $10,000 · 13 months CD |
| Against the national average | 2.57 percentage points above the 1.73% FDIC 12-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | 4.64% · Personal Premier Money Market Account · up to $20,000 only |
| Minimum to open | not stated · Personal Premier Money Market Account |
| Against the national average | 4.01 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 18519 · Greenbrier, AR |
|---|---|
| Website | www.firstservicebank.com |
| Branches | 11 branches in AR |
| Availability | Available in AR |
First Service Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
Business
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 60 savings accounts from 59 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.16% or more. See the highest savings rates.
First Service Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 6 months | 4.15% | $10,000 | 6-Month CD |
| 13 months | 4.30% | $10,000 | 13-Month CD |
| 24 months | 4.00% | $10,000 | 24-Month CD |
Interactive Tool
Calculate Savings for First Service Bank
All calculations are based on APY.
Tiered rates: 1.00% to 4.64% APY across 4 balance tiers.
Savings Breakdown
- Interest Earned+$1,833.90(11.6%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,833.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What First Service Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 0.85% applies to balances up to $20,000. A larger balance earns 0.65% on the whole amount.
In Q2 2026, First Service Bank paid a higher average rate on savings and money market deposits than 96% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- First Service Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Saver Account | 0.85% | $100 | $0 | $20,000 | $5 service charge per month, can be waived | not stated | Tiered | |
| Fine print: The stated APY applies to balances up to $20,000. Balances above $20,000 earn a lower rate. A $6 service charge applies in any cycle in which the balance falls below $100. The $5 monthly service charge is waived when the primary owner enrolls in eStatements. | ||||||||
| Personal Premier Money Market Account | 4.64% | not stated | $0 | $20,000 | $5 service charge per month, can be waived | not stated | Tiered | |
| Fine print: The highest APY applies to balances up to $20,000. Balances above $20,000 earn lower rates in three further bands. The $5 monthly service charge is waived when the primary owner enrolls in eStatements. | ||||||||
| Business | ||||||||
| Business Premier Money Market Account | 4.64% | not stated | $0 | $20,000 | $5 service charge per month, can be waived | not stated | Tiered | |
| Fine print: Only one Premier Money Market Account may be opened per primary Tax ID Number. The highest APY applies to balances up to $20,000. Balances above $20,000 earn lower rates in three further bands. The $5 monthly service charge is waived when the primary owner enrolls in eStatements. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 6-Month CD | 6 months | 4.15% | $10,000 | not stated | not stated |
| 13-Month CD | 13 months | 4.30% | $10,000 | not stated | not stated |
| 24-Month CD | 24 months | 4.00% | $10,000 | not stated | not stated |
Opening and using the account
| Availability | Available in AR |
|---|---|
| Footprint | 11 branches in AR |
| Eligibility | not stated |
How First Service Bank behaves over time
Every observation of the advertised Saver Account rate in the last 12 months was 0.85% (observed through Oct 3, 2026). The series includes promotional tiers where one applied.
- Saver Account
- The same as 30 days ago.
- 13 months CD
- The same as 30 days ago.
- Rate last changed
- Sep 29, 2026(effective date)
$10,000 at the 0.85% APY First Service Bank advertises on Saver Account grows to $10,085 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,753 does today. See how the federal funds rate shapes savings rates.
First Service Bank CD rates over time
Who is First Service Bank?
| Headquarters | Greenbrier, AR |
|---|---|
| Founded | 1962 |
| Scale | $1.0B assets · $919M deposits, $828M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 18519 |
| Charter state | Arkansas · one of 78 insured banks chartered there (Q2 2026, FDIC) |
| Size | 955th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 95% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What First Service Bank pays on deposits above.
Common questions about First Service Bank
Is First Service Bank FDIC insured?
Yes. First Service Bank is FDIC insured under certificate 18519, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at First Service Bank?
First Service Bank requires a minimum deposit of $100 to open its Saver Account, as observed on Oct 3, 2026. Check the bank's current terms before you open an account.
Does the 0.85% apply to my whole balance?
The 0.85% applies to balances up to $20,000. A larger balance earns 0.65% on the whole amount. Rates are as observed on Oct 3, 2026.
Does First Service Bank have branches?
Yes. First Service Bank operates 11 branches according to FDIC branch records, in addition to its website and mobile apps.
First Service Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| First Service Bank | 0.85% | 3.20% | $100 | 11 branches in AR |
| Plains State Bank | 0.85% | 2.21% | not stated | 8 branches in TX |
| First Internet Bank of Indiana | 0.80% | 2.72% | $25 | 2 branches in AZ, IN |
| Madison County Bank | 0.90% | 2.32% | $10 | 6 branches in NE |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to First Service Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Arkansas, nearest to First Service Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.