First State Bank Mobile Logo Login Menu Personal Savings FSBSavings Save on your own terms with the flexibility of our FSB Savings account. Get started with as little as $25 today. Key Features Competitive Interest Digital Banking Details 1A $50 fee will be charged if the account is closed within 90 days. REQUEST INFO First Class Money Market Want to retain access to your funds without sacrificing earning potential? A money market makes this no-brainer possible. Key Features Tiered Interest Digital Banking Details 1Interest rate subject to change every other Wednesday. 2By Federal Law, you may make no more than six pre-authorized withdrawals, internet banking, automatic or telephone transfers, check draft, and debit card or similar transactions from your account per month or statement cycle. You may make unlimited withdrawals in person, by mail or at an ATM. A $10 fee for each transaction over six will be charged. Repeated violations require account closure, change of account type, and termination of transfer capability or other remedial actions. 3A $50 fee will be charged if the account is closed within 90 days. REQUEST INFO Club Account Worried about paying for those gifts? Dreading the post-Holiday tab? Join the club. Key Features Competitive Interest Digital Banking Details 1Interest is forfeited if balance is withdrawn prior to maturity (last Wednesday in October). REQUEST INFO Certificates of Deposit (CDs) No risk no reward? Not when it comes to a fixed-rate CD that features a guaranteed return. Key Features Guaranteed Returns Competitive Interest No Setup or Maintenance Fees Details 1Early withdrawal will result in the following penalties: - 32 day term through 1 year has a penalty of 6 months interest - Over 1 year term through 8 years has a penalty of 12 months interest REQUEST INFO IntraFi® Network Deposits – Formerly CDARS® FDIC insurance doesn't have to stop at $250,000. IntraFi® Network Deposits - Formerly CDARS®- offers FDIC insurance on CDs up to $50 million. Details Learn More To learn more about how IntraFi® Network Deposits, formerly CDARS®, can benefit you, visit the IntraFi® Network website. CDARS WEBSITEREQUEST INFO IntraFi® Network Deposits – Formerly Insured Cash Sweep® It’s true. An IntraFi® Network Deposits - Formerly ICS®, or Insured Cash Sweep®, is the smart way to earn interest while retaining FDIC coverage. Details How it works 1Deposits are sent to demand deposit accounts with the demand option and to money market deposit accounts with the savings option. The standard FDIC insurance maximum is $250,000 per insured capacity, per bank. Learn More To learn more about how an IntraFi® Network Deposits, formerly Insured Cash Sweep®, can benefit you, visit the IntraFi® Network website. ICS WEBSITE REQUEST INFO Individual Retirement Accounts (IRAs) A tax-advantaged IRA1 is a smart addition to your retirement strategy. Choose from a Traditional or Roth option to get started. Key Features Competitive Interest No Setup or Maintenance Fees Tax Advantages* Details Traditional vs. Roth Health Savings Account (HSA) Stay one step ahead of medical-related expenses with an HSA. Take advantage of interest on every dollar deposited, plus additional tax benefits.1 Key Features Competitive Interest Tax Advantages No Monthly Service Fees Details Eligibility Most adults under 65 who are not enrolled in Medicare and are covered under a high-deductible health plan (HDHP) can qualify for an HSA, but it is up to the account holders to determine their own eligibility. Please contact your tax advisor for further eligibility requirements. 1Consult a tax advisor. 2You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn will be included as taxable income, and is subject to a 20% penalty. REQUEST INFO Deposit Specials This week's Certificate of Deposit Specials Term Minimum Deposit Interest Rate APY 15 Months $1000 0.50% 0.50% APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates for November 17, 2021 through November 23, 2021. Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. 1Certificates 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 Educational Resources Employment Opportunities Rates Advice and Planning Expand toolbar The Fine Print Privacy Policy Security Statement Fee Schedule Terms & Conditions Community Reinvestment Act Tools & Resources Forms & Guides Stock Activity Routing Number Reorder Checks Report Lost or Stolen Card Safety Tips First State Mortgage First State Insurance About Us Our History Employment Opportunities Contact Us Meet Our Team Copyright © 2021 First State Bank. All rights reserved. Member FDIC. Equal Housing Lender. Equal Housing Lender Federal Deposit Insurance Corporation We Value Your Privacy SETTINGS NextRoll, Inc. 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