Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Rates and APYs accurate as of 05/01/2021
Rates and rewards are variable and may change after account is opened.
Fees may reduce earnings.

Farm Machinery Loans

Term

APR

5 Year Fixed Rate on New and Refinanced Equipment 

Available through 12.31.2021

1.950%

Variable (equal to Prime less 0.25)

4.500%

Learn More

Auto Loans

Year

Term

APR

2020 & 2021

60 months

4.50%

2020 & 2021

48 months

4.25%

2020 & 2021

36 months

4.00%

2019

54 months

4.75%

2019

48 months

4.50%

2019

36 months

4.25%

2018

48 months

5.50%

2018

36 months

5.25%

2017

48 months

5.75%

2017

36 months

5.50%

2016

36 months

6.00%

2015 and older

36 months

7.50%

Learn More

Other Loans

Type

Term

APR

Second Mortgage

84 months

6.750%

Personal Loans

Term may vary according to loan

Rates may vary - contact the FSB Loan Department for current rates

Secured/Unsecured Line of Credit

 Term may vary according to loan

Rates may vary - contact the FSB Loan Department for current rates

Commercial Loans

Term may vary according to loan

Rates may vary - contact the FSB Loan Department for current rates

Home Equity Line of Credit

Variable

5.750%

CD Loans (FSB)

Equal to CD Maturity

3% Over Yield

Learn More

Certificates of Deposit (CDs)

Term

Minimum Deposit

Interest Rate

APY

91 Days

$2,500

0.10%

0.10%+

182 Days

$2,500

0.20%

0.20%1

12 Months

$1,000

0.30%

0.30%

18 Months

$1,000

0.35%

0.35%

24 Months

$1,000

0.40%

0.40%

30 Months

$1,000

0.45%

0.45%

36 Months

$1,000

0.55%

0.55%

48 Months

$1,000

0.65%

0.65%

60 Months

$1,000

0.90%

0.90%

96 Months

$1,000

0.65%

0.65%

Learn More

Rates for November 24, 2021 through November 30, 2021.

1 Certificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate.
Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate.
Substantial penalty will be imposed for premature withdrawal. The penalty will only be calculated on the amount withdrawn, if less than the full deposit.
Early Withdrawal Penalty:
- 32 Day through 1 Year terms have a penalty of 6 Months Interest
- Over 1 Year through 8 year terms have a penalty of 12 Months Interest
All Individual Retirement Accounts:
- 32 Day through 1 Year terms have a penalty of 6 Months Interest
- Over 1 Year through 8 Year terms have a penalty of 12 Months Interest

This Week's Certificate of Deposit Specials

Term

Minimum Deposit

Interest Rate

APY

15 Months

$1,000

0.50%

0.50%

Learn More

Rates for November 24, 2021 through November 30, 2021.

1 Certificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate.
Substantial penalty will be imposed for premature withdrawal. The penalty will only be calculated on the amount withdrawn, if less than the full deposit.
Early Withdrawal Penalty:
- 32 Day through 1 Year terms have a penalty of 6 Months Interest
- Over 1 Year through 8 year terms have a penalty of 12 Months Interest
All Individual Retirement Accounts:
- 32 Day through 1 Year terms have a penalty of 6 Months Interest
- Over 1 Year through 8 Year terms have a penalty of 12 Months Interest

 

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All First State Bank locations will be closed on Thursday, November 25th in observance of Thanksgiving. We will be open for regular business hours on Friday, November 26th.  As always, 24/7 banking is available through Online Banking and our Mobile App. 

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