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 Learn More
| Term | Interest Rate | APR | Monthly 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 | - | - |
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:
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
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 Learn More
| Term | APR |
|---|---|
| 5 Year Fixed | 4.750% |
| Variable (equal to Prime less 0.25) | 4.500% |
Auto Loans Learn More
| 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% |
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 |
Certificates of Deposit (CDs) Learn More
| 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%† |
Rates for July 21st, 2021 through July 27th, 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 Learn More
| Term | Minimum Deposit | Interest Rate | APY |
|---|---|---|---|
| 15 Months | $1,000 | 0.50% | 0.50% |
Rates for July 21st, 2021 through July 27th, 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