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Rates Resources

Our deposit rates

Rates are effective as of February 21, 2024, and are subject to change without notice.

Certificates of Deposit (CDs)

View our available CD rates and terms by selecting your total relationship balance from our options. 

We value our banking relationships. Preferred CD rates may be available, depending on your total relationship balance with First State Bank at the time you open or renegotiate your CD term. Your total relationship balance consists of your deposits and/or in-house loans.

Up to $24,999.99 Total Relationship (Deposits & Loans)

Comparison table of Up to $24,999.99 Total Relationship (Deposits & Loans).
Term Min. Opening Deposit Interest Rate Annual Percentage Yield
30 Day CD $5,000 0.30% 0.30%
3 Month CD $5,000 0.40% 0.40%
6 Month CD $5,000 0.50% 0.50%
12 Month CD $5,000 1.50% 1.50%
18 Month CD $5,000 1.55% 1.55%
24 Month CD $5,000 1.60% 1.61%
36 Month CD $5,000 1.65% 1.66%
48 Month CD $5,000 1.70% 1.71%
60 Month CD $5,000 1.75% 1.77%
13 Month CD Special $10,000 2.30% 2.30%

Fees could reduce earnings on the account. Penalties may be applied for early withdrawal.

Preferred CD rates may be available when total current balances of deposits and/or in-house loans meets or exceeds specified levels at time CD is opened or renegotiated (may not be available on all specials). Contact us for more details.

$25,000.00 – $74,999.99 Total Relationship (Deposits & Loans)

Comparison table of $25,000.00 – $74,999.99 Total Relationship (Deposits & Loans).
Term Min. Opening Deposit Interest Rate Annual Percentage Yield
30 Day CD $5,000 0.55% 0.55%
3 Month CD $5,000 0.65% 0.65%
6 Month CD $5,000 0.75% 0.75%
12 Month CD $5,000 1.75% 1.75%
18 Month CD $5,000 1.80% 1.80%
24 Month CD $5,000 1.85% 1.87%
36 Month CD $5,000 1.90% 1.92%
48 Month CD $5,000 1.95% 1.97%
60 Month CD $5,000 2.00% 2.02%
13 Month CD Special $10,000 2.55% 2.55%

Fees could reduce earnings on the account. Penalties may be applied for early withdrawal.

Preferred CD rates may be available when total current balances of deposits and/or in-house loans meets or exceeds specified levels at time CD is opened or renegotiated (may not be available on all specials). Contact us for more details.

$75,000.00 or Greater Total Relationship (Deposits & Loans)

Comparison table of $75,000.00 or Greater Total Relationship (Deposits & Loans).
Term Min. Opening Deposit Interest Rate Annual Percentage Yield
30 Day CD $5,000 1.05% 1.06%
3 Month CD $5,000 1.15% 1.15%
6 Month CD $5,000 1.25% 1.25%
12 Month CD $5,000 2.25% 2.25%
18 Month CD $5,000 2.30% 2.30%
24 Month CD $5,000 2.35% 2.38%
36 Month CD $5,000 2.40% 2.43%
48 Month CD $5,000 2.45% 2.48%
60 Month CD $5,000 2.50% 2.53%
13 Month CD Special $10,000 3.05% 3.05%

Fees could reduce earnings on the account. Penalties may be applied for early withdrawal.

Preferred CD rates may be available when total current balances of deposits and/or in-house loans meets or exceeds specified levels at time CD is opened or renegotiated (may not be available on all specials). Contact us for more details.

Individual Retirement Accounts (IRAs)

View our available IRA CD rates and terms by selecting your total relationship balance from our options. 

We value our banking relationships. Preferred rates may be available on Fixed Rate IRA CDs, depending on your total relationship balance with First State Bank at the time you open or renegotiate your IRA CD term. Your total relationship balance consists of your deposits and/or in-house loans.

Up to $24,999.99 Total Relationship (Deposits & Loans)

Comparison table of Up to $24,999.99 Total Relationship (Deposits & Loans).
Term Min. Opening Deposit Interest Rate Annual Percentage Yield
12 Month (Fixed Rate) IRA $500 1.50% 1.51%
30 Month (Fixed Rate) IRA $500 1.60% 1.61%
48 Month (Fixed Rate) IRA $500 1.70% 1.71%
60 Month (Fixed Rate) IRA $500 1.75% 1.76%

Fees could reduce earnings on the account. Penalties may be applied for early withdrawal.

Preferred rates may be available on Fixed Rate IRA CDs when total current balances of deposits and/or in-house loans meets or exceeds specified levels at the time the IRA CD is opened or renegotiated. Contact us for more details. 

$25,000.00 – $74,999.99 Total Relationship (Deposits & Loans)

Comparison table of $25,000.00 – $74,999.99 Total Relationship (Deposits & Loans).
Term Min. Opening Deposit Interest Rate Annual Percentage Yield
12 Month (Fixed Rate) IRA $500 1.75% 1.76%
30 Month (Fixed Rate) IRA $500 1.85% 1.86%
48 Month (Fixed Rate) IRA $500 1.95% 1.96%
60 Month (Fixed Rate) IRA $500 2.00% 2.02%

Fees could reduce earnings on the account. Penalties may be applied for early withdrawal.

Preferred rates may be available on Fixed Rate IRA CDs when total current balances of deposits and/or in-house loans meets or exceeds specified levels at the time the IRA CD is opened or renegotiated. Contact us for more details.

$75,000.00 or Greater Total Relationship (Deposits & Loans)

Comparison table of $75,000.00 or Greater Total Relationship (Deposits & Loans).
Term Min. Opening Deposit Interest Rate Annual Percentage Yield
12 Month (Fixed Rate) IRA $500 2.25% 2.27%
30 Month (Fixed Rate) IRA $500 2.35% 2.37%
48 Month (Fixed Rate) IRA $500 2.45% 2.47%
60 Month (Fixed Rate) IRA $500 2.50% 2.52%

Fees could reduce earnings on the account. Penalties may be applied for early withdrawal.

Preferred rates may be available on Fixed Rate IRA CDs when total current balances of deposits and/or in-house loans meets or exceeds specified levels at the time the IRA CD is opened or renegotiated. Contact us for more details.

Checking, Money Market, and Savings Accounts

Choose from our account options to view available rates on your personal and/or business accounts that earn you interest.

Checking Accounts

Comparison table of Checking Accounts.
Product/Interest Rate Tier Min. Opening Deposit Min. Balance to Obtain APY Interest Rate Annual Percentage Yield
Interest Checking $50 $0.01 0.01% 0.01%
50+ Interest Checking $50 $0.01 0.01% 0.01%
Top Tier Checking
Tier 1
$50 $0.01 – $1,499.99 0.01% 0.01%
Top Tier Checking
Tier 2
$50 $1,500.00 + 0.02% 0.02%
Business Interest Checking
Tier 1
$50 $0.01 – $4,999.99 0.01% 0.01%
Business Interest Checking
Tier 2
$50 $5,000.00 + 0.02% 0.02%

Fees could reduce earnings on the account. Your interest rate and APY may change at any time after the account is opened.

Money Market Account

Comparison table of Money Market Account.
Interest Rate Tier Min. Opening Deposit Min. Balance to Obtain APY Interest Rate Annual Percentage Yield
Tier 1 $5,000 $0.01 – $9,999.99 0.05% 0.05%
Tier 2 $5,000 $10,000.00 – $24,999.99 0.10% 0.10%
Tier 3 $5,000 $25,000.00 – $49,999.99 0.20% 0.20%
Tier 4 $5,000 $50,000.00 + 0.30% 0.30%

Fees could reduce earnings on the account. Your interest rate and APY may change at any time after the account is opened.

Savings Accounts

Comparison table of Savings Accounts.
Product Min. Opening Deposit Min. Balance to Obtain APY Interest Rate Annual Percentage Yield
Regular Savings $100 $200.00 0.02% 0.02%
Youth Savings $25 $0.01 0.02% 0.02%
Christmas Club Savings* $5 $0.01 0.02% 0.02%
Business Savings $100 $200.00 0.02% 0.02%

Fees could reduce earnings on the account. Your interest rate and APY may change at any time after the account is opened.

*Penalties may be applied for early withdrawal. Interest earned on monthly average collected balance.

Health Savings Account

Comparison table of Health Savings Account.
Interest Rate Tier Min. Opening Deposit Min. Balance to Obtain APY Interest Rate Annual Percentage Yield
Tier 1 $100 $0.01 – $4,999.99 0.01% 0.01%
Tier 2 $100 $5,000.00 – $9,999.99 0.01% 0.01%
Tier 3 $100 $10,000.00 – $24,999.99 0.02% 0.02%
Tier 4 $100 $25,000.00 + 0.02% 0.02%

Fees could reduce earning on the account. Your interest rate and APY may change at any time after the account is opened.

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