Business accounts must be opened at a First State Bank branch. 

*Annual Percentage Yield (APY) as of 03/01/2024. 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 7-Month CD and earn APY. Deposits must be new funds to First State Bank. Current First State Bank customers are eligible to make a one-time transfer from another First State Bank account of up to $25,000 with the deposit of $2,000 or greater in funds new to First State Bank. Limit one account transfer offer per tax-reported owner. Promotional offer subject to change or cancellation at any time. Account must be opened by 5/31/2024.

**Annual Percentage Yield (APY) accurate as of 03/01/2024 and subject to change. This is a variable rate account and the interest rates and APYs may change at any time. Limited time offer. Limit one account per Tax ID. Balances from $1,000 to $4,999.99 earn 3.50% APY. Balances between $5,000-24,999.99 earn 4.00% APY. Balances $25,000+ earn 4.50% APY.  Promotional rate guaranteed for 12 months from date of account opening. Other terms and restrictions apply.  A minimum of $1,000 to open account and earn APY. Deposits must be new funds to First State Bank. Current First State Bank customers are eligible to make a one-time transfer from another First State Bank account of up to $25,000 with the deposit of $1,000 or greater in funds new to First State Bank. 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. Limit one account transfer offer per tax-reported owner. Promotional offer subject to change or cancellation at any time. Account must be opened by 5/31/2024. Promo Code: MMKT2023

***Stated APR (Annual Percentage Rate) is accurate as of 3/1/2024. 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. 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 7.99% 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 4.00%. Maximum APR is 18.00%.