Balances are fully insured up to the FDIC’s allowable limits.
*Annual Percentage Yield (APY) as of 11/12/2024. 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 a 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. 

**Annual Percentage Yield (APY) as of 11/12/2024. 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 13-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.

1. Annual Percentage Yield (APY) accurate as of 09/01/2024 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 3.25% APY. Balances between $5,000-24,999.99 earn 3.75% APY. Balances $25,000+ earn 4.25% APY.  Promotional rate guaranteed for 90 days 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 1/31/2025.

2. Stated APR (Annual Percentage Rate) is accurate as of 6/1/2024. 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 7.49% 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 4.00%. Maximum APR is 18.00%.

3. Rates are based on applicant’s credit history, model year, term, and amount borrowed. Promotional rate includes a .50% discount for Auto-Payment from a First State Bank Checking Account. Service fee on all applicable loans is waived for the promotional period. Down payment requirements apply and are based on loan type, credit history, and model year.  Offer is valid from September 1–November 30, 2024. Lowest APR* (Annual Percentage Rate) assumes excellent credit history, automatic loan payment from a First State Bank account on an auto financed for 60 months. Lowest APR for an auto loan based on a $25,000 purchase under these assumptions would result in a $488.71 monthly payment. Lowest APR assumes excellent credit history, automatic loan payment from a First State Bank account on a recreational vehicle financed for 60 months. Lowest APR for a recreational vehicle loan, based on a $25,000 purchase under these assumptions would result in a $506.69 monthly payment.

4. No ATM access. Offer cannot be combined with any other offers. Offer valid for new money only. Applicable account(s) must be opened by 1/31/25. Limit one bonus per household. First State Bank employees not eligible. Minor Savings accounts require $25 minimum deposit to open and no requirement to maintain this balance on the account to receive a bonus. Rate may change after account opening. Fees may reduce earnings. Other terms, conditions and fees may apply depending on account selected. Bonus will be credited into your Minor Youth account at opening and the account must remain open for a minimum of 180 days.

5. Offer cannot be combined with any other offers. Offer valid for new money only. Applicable account(s) must be opened by 1/31/2025. Limit one bonus per household. First State Bank employees not eligible. Promotional Holiday Club accounts require $250 minimum deposit to open and no requirement to maintain this balance on the account to receive bonus. Rate may change after account opening. Fees may reduce earnings. Other terms, conditions and fees may apply depending on account selected. Bonus will be credited into your FSB Holiday Club account within 45 days of meeting the offer criteria and is considered interest which will be reported on an IRS Form 1099-INT.**Earns higher interest rate than statement savings on balances up to $2,000. Interest is compounded daily and paid quarterly. *** Early withdrawal fee: $10 each / No ATM access.