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Our Rates

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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

Classic Checking

  Interest Rate APY*
All balances

.05%

.05%

Minimum to open: $100

Premium Account

Balance Interest Rate APY*
Less than $2,499 .05% .05%
$2,500-$9,999 .10% .10%
$10,000-$24,999 .10% .10%
$25,000-$49,999 .15% .15%
$50,000-$99,999 .15% .15%
$100,000 and up .20% .20%

Minimum to open: $100

* This account earns interest at a variable rate. 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.
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Business Checking Account Rates

Business Interest Checking and Interest on Lawyers Trust Accounts (IOLTAs)

  Interest Rate APY*
All balances .05% .05%

Minimum to open: $50

Public Funds Interest Checking

Balance Interest Rate APY*
$0 - $19,999 .05% .05%
$20,000 + .10% .10%

Minimum to open: $50
Public Funds Interest Checking is limited to government entities.

* This account earns interest at a variable rate. 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.
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Savings Products

Personal Savings Account Rates

Minor Savings and Statement Savings

Balance Interest Rate APY*
$0 - $9,999 .05% .05%
$10,000 - $49,999 .05% .05%
$50,000 + .05% .05%

Minimum to open minor savings: $25
Minimum to open statement savings: $100

Premium Account

Balance Interest Rate APY*
Less than $2,499 .05% .05%
$2,500-$9,999 .10% .10%
$10,000-$24,999 .10% .10%
$25,000-$49,999 .15% .15%
$50,000-$99,999 .15% .15%
$100,000 and up .20% .20%

Minimum to open: $100

Holiday Savings Club

Balance Interest Rate APY*
$0 - $1,999 .25% .25%
$2,001 - $9,999 .05% .05%
$10,000 - $49,999 .05% .05%
$50,000 + .05% .05%

Minimum to open: $10

Health Savings 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 .15% .15%
$50,000-$99,999 .15% .15%
$100,000 and up .20% .20%

Minimum to open: $50

* This account earns interest at a variable rate. 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.
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Business Savings

Business Savings

Balance Interest Rate APY*
$0 - $9,999 .05% .05%
$10,000 - $49,999 .05% .05%
$50,000 + .05% .05%

Minimum to open: $50

Business Money Market

Balance Interest Rate APY*
$0 - $19,999 .10% .10%
$20,000 - $39,999 .10% .10%
$40,000 - $74,999 .15% .15%
$75,000 + .15% .15%

Minimum to open: $50

* This account earns interest at a variable rate. 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.
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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 (182 day) .15% .15% .15% .15% .15% .15% .20% .20% .40% .40%

Minimum to open: $250

Variable Rate Individual Retirement Account Certificate of Deposit

Term Interest Rate APY*
18 Month .25% .25%

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 .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

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Mortage Loans

Fixed Rate Mortgages:

Visit our Mortgage Center to apply online.

Adjustable Rate Mortgages:

Visit our Mortgage Center to apply online.

Government Loans:

Visit our Mortgage Center to apply online.

Construction Loans

Term Rate Points
5 /1 ARM 7.500% 1.00

Personal Loans

All rates current as of: October 30, 2014

Home Equity Loans

Visit our Mortgage Center to apply online.

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 October 30, 2014; 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.

Visit our Mortgage Center to apply online.

Home Equity 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 42% or less; 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. A property tax service fee in the amount of $75.00 is required at closing. First Mortgage lien positions are required to have escrow for taxes and insurance.

New and Used Cars

Car Model Year Term Annual Percentage Rate with Automatic Payment* Annual Percentage Rate without Automatic Payment*
New Car 2014-2013 Max. 60 months Varies on term with rates as low as 2.49% Varies on term with rates as low as 3.49%
Used Car 2012 - 2006 Max. 48 months Varies on model year with rates as low as 2.99% Varies on model year with rates as low as 3.99%

For a complete schedule of rates for new and used vehicles, please download our Auto Loan Rates (PDF)*.

*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 $75 service fee, would result in a $400.55 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 )

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