We take pride in our tradition of providing personal and friendly yet professional and timely service, coupled with competitive and reasonable rates and fees. Included here are both Personal and Business account rates. Also view our
Fees.
Checking Accounts
Personal Checking Account Rates
45 Plus Interest Checking, Direct Checking
| |
Interest Rate |
APY* |
| All balances |
.10%
|
.10% |
Minimum to open: $100
Premium Account
| Balance |
Interest Rate |
APY* |
| Less than $2,499 |
.15% |
.15% |
| $2,500-$9,999 |
.15% |
.15% |
| $10,000-$24,999 |
.15% |
.15% |
| $25,000-$49,999 |
.20% |
.20% |
| $50,000-$99,999 |
.20% |
.20% |
| $100,000 and up |
.25% |
.25% |
Minimum to open: $100
* This account earns interest at a variable rate. Annual Percentage Yield is accurate as of September 9, 2010. These rates may change at any time without prior notice. Fees could reduce earnings on the account.
Business Checking Account Rates
Business Interest Checking and Interest on Lawyers Trust Accounts (IOLTAs)
| |
Interest Rate |
APY* |
| All balances |
.10% |
.10% |
Minimum to open: $1
Business Interest Checking is not available to corporations, limited liability companies, professional limited liability companies, partnerships, subchapter “S” corporations and/or professional service corporations.
Public Funds Interest Checking
| Balance |
Interest Rate |
APY* |
| $0 - $19,999 |
.10% |
.10% |
| $20,000 + |
.15% |
.15% |
Minimum to open: $1
Public Funds Interest Checking is limited to government entities.
* This account earns interest at a variable rate. Annual Percentage Yield is accurate as of September 9, 2010. These rates may change at any time without prior notice. Fees could reduce earnings on the account.
Savings Products
Personal Savings Account Rates
Minor Savings and Statement Savings
| Balance |
Interest Rate |
APY* |
| $0 - $9,999 |
.05% |
.05% |
| $10,000 - $49,999 |
.10% |
.10% |
| $50,000 + |
.10% |
.10% |
Minimum to open minor savings: $25
Minimum to open statement savings: $100
Premium Account
| Balance |
Interest Rate |
APY* |
| Less than $2,499 |
.15% |
.15% |
| $2,500-$9,999 |
.15% |
.15% |
| $10,000-$24,999 |
.15% |
.15% |
| $25,000-$49,999 |
.20% |
.20% |
| $50,000-$99,999 |
.20% |
.20% |
| $100,000 and up |
.25% |
.25% |
Minimum to open: $100
Holiday Savings Club
| Balance |
Interest Rate |
APY* |
| $0 - $1,999 |
.50% |
.50% |
| $2,001 - $9,999 |
.05% |
.05% |
| $10,000 - $49,999 |
.10% |
.10% |
| $50,000 + |
.10% |
.10% |
Minimum to open: $10
Health Savings Account
| Balance |
Interest Rate |
APY* |
| Less than $2,499 |
.20% |
.20% |
| $2,500-$9,999 |
.20% |
.20% |
| $10,000-$24,999 |
.20% |
.20% |
| $25,000-$49,999 |
.20% |
.20% |
| $50,000-$99,999 |
.20% |
.20% |
| $100,000 and up |
.25% |
.25% |
Minimum to open: $50
* This account earns interest at a variable rate. Annual Percentage Yield is accurate as of September 9, 2010. These rates may change at any time without prior notice. Fees could reduce earnings on the account.
Business Savings
Business Savings
| Balance |
Interest Rate |
APY* |
| $0 - $9,999 |
.05% |
.05% |
| $10,000 - $49,999 |
.10% |
.10% |
| $50,000 + |
.10% |
.10% |
Minimum to open: $1
Business Money Market
| Balance |
Interest Rate |
APY* |
| $0 - $19,999 |
.15% |
.15% |
| $20,000 - $39,999 |
.15% |
.15% |
| $40,000 - $74,999 |
.20% |
.20% |
| $75,000 + |
.20% |
.20% |
Minimum to open: $1
* This account earns interest at a variable rate. Annual Percentage Yield is accurate as of September 9, 2010. These rates may change at any time without prior notice. Fees could reduce earnings on the account.
CDs and IRAs
Personal and Business
$250 Easy CD
| |
$1,000 |
$10,000 |
$25,000 |
$50,000 |
$75,000 |
| Term |
Interest Rate |
APY* |
Interest Rate |
APY* |
Interest Rate |
APY* |
Interest Rate |
APY* |
Interest Rate |
APY* |
| 6 Month |
.20% |
.20% |
.20% |
.20% |
.20% |
.20% |
.25% |
.25% |
.25% |
.25% |
Minimum to open: $250
Variable Rate Individual Retirement Account Certificate of Deposit
| Term |
Interest Rate |
APY* |
| 18 Month |
.50% |
.50% |
Minimum to open: $100
Fixed Rate Certificates of Deposit
| |
$1,000 |
$10,000 |
$25,000 |
$50,000 |
$75,000 |
| Term |
Interest Rate |
APY* |
Interest Rate |
APY* |
Interest Rate |
APY* |
Interest Rate |
APY* |
Interest Rate |
APY* |
| 30 Day |
.10% |
.10% |
.10% |
.10% |
.10% |
.10% |
.10% |
.10% |
.15% |
.15% |
| 91 Day |
.10% |
.10% |
.10% |
.10% |
.10% |
.10% |
.15% |
.15% |
.20% |
.20% |
| 6 Mth |
.20% |
.20% |
.20% |
.20% |
.20% |
.20% |
.25% |
.25%
|
.25% |
.25% |
| 12 Mth |
.40% |
.40% |
.40% |
.40% |
.40% |
.40% |
.40% |
.40% |
.40% |
.40% |
| 18 Mth |
.50% |
.50% |
.50% |
.50% |
.50% |
.50% |
.50% |
.50% |
.50% |
.50% |
| 24 Mth |
.75% |
.75% |
.75% |
.75% |
.75% |
.75% |
.75% |
.75% |
.75%
|
.75% |
| 30 Mth |
.75% |
.75% |
.75% |
.75% |
.75% |
.75% |
1.00% |
1.00% |
1.00% |
1.00% |
| 36 Mth |
1.00% |
1.00% |
1.00% |
1.00% |
1.00%
|
1.00% |
1.19% |
1.20% |
1.19% |
1.20% |
| 48 Mth |
1.00% |
1.00% |
1.00% |
1.00% |
1.19% |
1.20% |
1.19% |
1.20% |
1.24% |
1.25% |
| 60 Mth |
1.24% |
1.25% |
1.24% |
1.25% |
1.24% |
1.25% |
1.24% |
1.25% |
1.24% |
1.25% |
Minimum to open: $1,000
Jumbo CD
| Term |
Interest Rate |
APY* |
| 30 Days |
N/A
|
N/A
|
| 90 Days |
N/A
|
N/A
|
| 180 Days |
N/A
|
N/A
|
| 1 Year |
N/A
|
N/A
|
| 2 Years |
N/A
|
N/A
|
| 3 Years |
N/A
|
N/A
|
| 4 Years |
N/A
|
N/A
|
| 5 Years |
N/A
|
N/A
|
Minimum to open: $100,000
* This account earns interest at a variable rate. Annual Percentage Yield is accurate as of September 9, 2010. These rates may change at any time without prior notice. Fees could reduce earnings on the account. Withdrawals made before the maturity date may result in a substantial penalty.
Mortage Loans
All rates current as of: September 9, 2010
Fixed Rate Mortgages
| Term |
Rate |
Annual Percentage Rate
|
Points |
Monthly Payment |
| 30 Years |
4.625% |
4.729%
|
.00 |
$514.14
|
| 20 Years |
4.500%
|
4.642%
|
.00
|
$632.65
|
| 15 Years |
4.250%
|
4.400%
|
.00
|
$752.28
|
| 10 Years |
4.000%
|
4.258%
|
.00
|
$1,012.45
|
| 30 Years |
4.375%
|
4.564%
|
1.00
|
$499.29
|
| 20 Years |
4.250%
|
4.509%
|
1.00
|
$619.23
|
| 15 Years |
4.125%
|
4.426%
|
1.00
|
$745.97
|
| 10 Years |
3.875%
|
4.350%
|
1.00
|
$1,006.52
|
Sample mortgage rates and payments are based upon the following assumptions: Mortgage is for the purchase or refinancing of a primary residence; Residence is a single family home; Mortgage amount is $100,000, at least 20% down; Debt-to-income ratio is less than 45%; Credit score exceeds 720; Lock period for a rate is 30 days; Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be greater. Actual payments will vary based upon individual situations and current rates. Mortgage rates may change daily. Closing costs are paid out-of-pocket. If loan-to-value exceeds 80%, private mortgage insurance will be added to monthly payments. Some jumbo products may not be available to first-time home buyers. Other restrictions may apply.
Adjustable Rate Mortgages
| Term |
Rate |
Points |
| 5/1 ARM |
3.750% |
.00
|
| 3/1 ARM |
4.000% |
.00
|
| 1/1 ARM |
N/A
|
N/A
|
| 5/1 ARM |
3.500% |
1.00
|
| 3/1 ARM |
3.750% |
1.00
|
| 1/1 ARM |
N/A
|
N/A
|
Government Loans
| Term |
Rate |
Points |
| 30 year |
4.625%
|
1.00 |
Construction Loans
| Term |
Rate |
Points |
| 5 /1 ARM |
7.500% |
1.00 |
Bridge Loans
| Term |
Rate |
Points |
| Depends on sale of current home |
7.500% |
1.00 |
All loans and pre-approvals are subject to credit approval and/or acceptable appraisal.
Personal Loans
All rates current as of: September 9, 2010
Home Equity Loans
Home Equity Line of Credit
|
Term |
Annual Percentage Rates as low as
|
Principal & Interest Loan
|
5 year |
4.25%
Prime Rate plus1% as published in Wall Street Journal*
|
Interest Only Loan
|
10 Years |
4.25%
Prime Rate plus 1% as published in Wall Street Journal*
|
*Rates are priced on the Prime Rate (Prime) which is published on the last business day of the month in the Wall Street Journal, currently 3.25 % as of September 9, 2010; Prime is a variable rate with the maximum annual percentage rate (APR) of 18% and is subject to change without notice. A balloon payment may result at the end of the five or 10 year loan term.
Home Equity Loan
| Term in Months |
Annual Percentage Rates as low as
|
Monthly Payment |
| Up to 60 |
6.25% |
$388.99 |
| 61 – 120 |
6.50% |
$277.10 |
| 121 – 180 |
6.75% |
$176.98 |
| 181 – 240 |
7.00% |
$155.06 |
Home Equity Loan and Line of Credit rates are based upon loan secured by single family home; loan amount of $25,000, loan-to-value ratio of 85%; debt-to-income ratio of less than 42%; excellent credit history; maximum loan term; automatic payments from a First State Bank account; payments do not include amount for taxes or insurance premiums, if applicable, and actual payment obligation may be greater and will vary based upon individual situations and current rates. Home equity rates may change daily. Property insurance required, flood insurance may be required. Subject to credit approval and satisfactory appraisal or evaluation from a qualified appraiser.
New and Used Cars
| Car Model Year |
Term |
Annual Percentage Rate with Automatic Payment* |
Annual Percentage Rate without Automatic Payment* |
| New Car 2010 |
Max. 72 months |
Varies on term with rates as low as 3.99% |
Varies on term with rates as low as 4.24% |
| Used Car 2003 - 2009 |
36 – 60 months |
Varies on model year with rates as low as 4.99% |
Varies on model year with rates as low as 5.24% |
*Lowest annual percentage rate assumes excellent credit history, automatic loan payment from a FSB account, 10% down payment on a new car financed for 60 months. A $25,000 loan under these assumptions, including a $150 service fee, would result in a $463.05 monthly payment.
Other Personal Loans
For loan rates for unsecured loans, secured by savings, boats, recreational vehicles, snowmobiles and jet skis loans – download our Personal Loan Rates (PDF)*
Personal loans are subject to credit approval, verification and collateral evaluation.
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*Requires Adobe Acrobat (free download )