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First Choice Bank (MS)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.firstchoice.bank
662-489-1631
19 South Main Street
Pontotoc, MS 38863

First Choice Bank (MS) is headquartered in PONTOTOC and is the 27th largest bank in the state of Mississippi. It is also the 1,765th largest bank in the nation. It was established in 1900 and as of March of 2025, it had grown to 88 employees at 5 locations. First Choice Bank (MS)'s CD rates are 2X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #5006
Year Established1900
Employees88
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD9.2%
Annual Interest Income$6.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$512.9MM$488.9MM
LoansQ1 2025vs Q1 2024$323.8MM$270.7MM
DepositsQ1 2025vs Q1 2024$466.9MM$446.2MM
Equity CapitalQ1 2025vs Q1 2024$40.9MM$38.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.9MM$3.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.7MM$641K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Choice Bank (MS); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Choice Bank (MS) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Regular Savings
0.25%$25-Kids Club Savings
0.25%$0-Christmas Club Savings

First Choice Bank (MS) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$0$30kKasasa Cash
OTHER TIERS: 0.15% → $30k+
0.50%$1k-Perks Platinum Checking

First Choice Bank (MS) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%$1k-60 Month CD
2.15%$1k-36 Month CD
2.00%$1k-24 Month CD
2.00%$1k-48 Month CD
1.85%$1k-12 Month CD
1.50%$1k-18 Month CD
1.10%$1k-182 Day CD
0.75%$1k-90 Day CD
0.50%$1k-30 Day CD

First Choice Bank (MS) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-60 Month IRA
2.45%$1k-48 Month IRA
2.40%$1k-24 Month IRA
2.35%$1k-18 Month IRA
2.25%$1k-12 Month IRA
2.15%$1k-36 Month IRA
Locations


First Choice Bank (MS) Locations
The First National Bank Of Pontotoc19 S Main StPontotoc, MS 38863
First National Bank Ecru Branch7670 Hwy 15 NorthEcru, MS 38841
West Pontotoc BranchHighway 15 NorthPontotoc, MS 38863
Houlka Branch301 West Front StreetHoulka, MS 38850
Tupelo Branch3850 North Gloster St.Tupelo, MS 38804

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