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.

Real Estate Loans

Term

Interest Rate

APRMonthly P&I Payment (Number of Payments)

15 Year Fixed

Payment amount does not include taxes or insurance and the actual payment obligation will be greater.

2.375%

2.386%

$660.92 (180 months)

20 Year Fixed

Payment amount does not include taxes or insurance and the actual payment obligation will be greater.

2.875%

 2.883%

$548.36 (240 months)

30 Year Fixed

Payment amount does not include taxes or insurance and the actual payment obligation will be greater.

3.000%

3.006%

$421.60 (360 months)

Rural Development (30 Years)

Payment amount does not include taxes or insurance and the actual payment obligation will be greater.

NOT AVAILABLE AT THIS TIME

NOT AVAILABLE AT THIS TIME

NOT AVAILABLE AT THIS TIME

Construction Loan (6 Months)

Contact us for up to the minute rate

-

-

Learn More

The annual percentage rates (APRs) and monthly principal and interest (P&I) payments shown are based on the following assumptions:

  • 20% down payment
  • $100,000 loan amount
  • No Cash Out
  • 740 credit score

Due to market fluctuations, interest rates are subject to change at any time and without notice. Contact Loan Department for current rates. Residential Loans include fixed and variable rates which will range from 3.00% to 7.00% APR. The annual percentage rate on variable rate loans may increase after consummation.
Loans with less than 20% down are required to have private mortgage insurance.
APR = Annual Percentage Rate
Assumptions:

Borrowers may be asked to pay other third party fees associated with the mortgage application as applicable: appraisal fee, flood determination fee, credit report fee, title insurance, private mortgage insurance if less than 20% down payment is made on the loan, hazard insurance, county recording fee, and local transfer tax (on purchase only).

Rates are not guaranteed and are subject to change without notice.

 

Farm Machinery Loans

Term

APR

5 Year Fixed

4.750%

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%

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Rates for September 22,2021 through September 28, 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 September 22, 2021 through September 28, 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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