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Home / Personal / CDs / Certificates of Deposit

Certificates of Deposit

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Choose your term and lock in an interest rate that best meets your financial goals. You gain the security of earning a guaranteed rate of interest for a fixed period of time.

FEATURES:

  • Our highest yielding FDIC insured account*
  • Flexible terms from 30 days to 5 years
  • Interest compounded and paid at maturity for CDs with terms under one year and quarterly for CDs with terms one year and over
  • CDs automatically renew with 10-day grace period; a renewal notice is sent 30 days prior to maturity and a rate confirmation notice within the 10-day grace period
  • Interest can be automatically transferred into a First State Bank checking, savings account or paid directly by check**
  • Free telephone, mobile banking and online banking for account monitoring
  • FDIC protection
  $1,000 $10,000 $25,000 $50,000 $75,000
Rate APY~ Rate APY~ Rate APY~ Rate APY~ Rate APY~
30 Day .05%  .05%  .05%  .05%  .05%  .05%  .05%  .05%  .05%  .05% 
91 Day .10%  .10%  .10%  .10%  .10%  .10%  .10%
.10%  .15%  .15%       
6 Mth (182 day) .15%  .15%  .15%  .15%  .15%  .15%  .20%  .20%  .40%  .40% 
12 Mth .20%  .20%  .20%  .20%  .30%  .30%  .30% .30%  .40%  .40% 
18 Mth .25% 

.25%

.30%  .30%  .30%  .30%  .30%  .30%  .50%  .50% 
24 Mth .35%  .35%  .40%  .40%  .40%  .40%  .50%  .50%  .50%  .50% 
30 Mth .35%  .35%  .35%  .35%  .40%  .40%  .50%  .50%  .50%  .50% 
36 Mth .40%  .40%  .50%  .50%  .70%  .70%  .90%  .90%  1.00%  1.00% 
48 Mth .60%  .60%  .75%  .75%  .90%  .90%  1.20%  1.21%  1.20%  1.21% 
60 Mth .80%  .80%  1.00%  1.00%  1.20%  1.21%  1.30%  1.31%  1.40%  1.41% 

Minimum to open: $1,000

*Withdrawals made before the maturity date may result in a substantial penalty.
**No minimum balance is required for a monthly payout, but interest must be more than $5.00 to receive by check.
~ This account earns interest at a fixed rate for the term. Annual Percentage Yield is accurate as of October 30, 2014. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Equal Housing LenderMember FDIC