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Feel confident about your financial future with options that work as hard as you do. Whether you're looking to grow your savings with a high-yield CD or money market account, or tap into your home's equity for life's next big step, we’re here to help you make smart, stress-free decisions. No complicated jargon—just clear, practical solutions to help you reach your goals with confidence.
4.00%1 APY
6-Month CD
3.80%1 APY
12-Month CD
A Certificate of Deposit (CD) is a smart, low-risk way to grow your savings. You lock in a fixed interest rate—often higher than a regular savings account—for a set period of time. That means no surprises, just steady growth. It’s perfect if you’re saving for something down the road and want your money to work for you without the worry.
4.00%2 APY
Money Market
On balances $25,000+
A money market account gives you the best of both worlds: higher interest than a standard savings account and easy access to your money when you need it. It's a smart choice if you want to earn more without locking your cash away. With added flexibility and steady growth, it’s savings that keep up with your goals.
Rates as Low as 6.49%3 APR
Home Equity Line of Credit
12-Month Intro Rate
Rates as Low as 7.99%4 APR
Home Equity Loan
Fixed- Rate 5-Year Term
A home equity loan or line of credit gives you flexible access to the funds you need—whether you’re covering unexpected expenses, tackling home improvements, or strengthening your financial security. With the value in your home working for you, you can move forward with confidence.
1. Annual Percentage Yield (APY) as of 04/01/2025. Rates on certificates of deposit accounts are fixed for the duration of the term unless otherwise disclosed; fees could reduce earnings; penalty may be imposed for early withdrawal on Certificate of Deposit accounts. You must deposit at least $1,000 to open the 6-Month or 12-Month CD and earn APY. These rates may change at any time without prior notice.
2. Annual Percentage Yield (APY) accurate as of 03/20/2025 and subject to change. This is a variable rate account and the interest rates and APYs may change at any time. Balances from $0 - $999 earn 0.01% APY. Balances from $1,000 to $4,999.99 earn 3.00% APY. Balances between $5,000-24,999.99 earn 3.50% APY. Balances $25,000+ earn 4.00% APY. Other terms and restrictions apply. A minimum of $1,000 to open account. Fees may reduce earnings. Make up to six withdrawals per monthly statement cycle via ATM, in-branch transaction, or online transfer. After six withdrawals, an excess transaction fee will apply for each withdrawal. Interest may be reported on a form 1099-INT for tax purposes.
3. Stated APR (Annual Percentage Rate) is accurate as of 04/01/2025. Check with the bank for rates, terms, and restrictions; rates subject to change without notice. Home Equity Line of Credit (HELOC) requires application and qualification criteria be met. All HELOCs are subject to credit and property approval. Promotional offer includes the waiver of application and associated processing fees. An $85.00 annual fee will be assessed after the 12 month introductory period. Advertised rate is based on qualifying credit conditions and requires a First State Bank checking account and debit card. Not all applicants may qualify. Property insurance required. Flood insurance may be required. Minimum line amount is $10,000. Stated APRs are only available if at least $10,000 of the line commitment represents new loan commitment amount not currently established with First State Bank, and automatic payment from a First State Bank checking account is maintained; other APRs available if either of these conditions are not met. Introductory 6.49% APR is fixed for the first 12 months. Thereafter, the APR will adjust monthly based on the Wall Street Journal prime rate. The minimum rate floor after the first 12 months will be Prime + 0.50%. Maximum APR is 18.00%.
4. Stated APR (Annual Percentage Rate) is accurate as of 04/01/2025. Check with the bank for rates, terms, and restrictions; rates subject to change without notice. Home Equity Loan requires application and qualification criteria be met. All Home Equity Loans are subject to credit and property approval. Advertised rate is based on qualifying credit conditions and requires a First State Bank checking account and debit card. Not all applicants may qualify. Property insurance required. Flood insurance may be required. Fixed Closed Home Equity Maximum Loan to Value is 75%.Minimum line amount is $10,000. Stated APRs are only available if at least $10,000 of the line commitment represents new loan commitment amount not currently established with First State Bank, and automatic payment from a First State Bank checking account is maintained; other APRs available if either of these conditions are not met.