FSB Bank > Rate Center

Personal Checking

Balance	Interest Rate	APY*
$500 and up	0.01%	0.01%

Rates current as of: June 4, 2025

Minimum to open: $50

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Balance	Interest Rate	APY*
Less than $2,499	0.01%	0.01%
$2,500-$9,999	0.01%	0.01%
$10,000-$24,999	0.01%	0.01%
$25,000-$49,999	0.01%	0.01%
$50,000-$99,999	0.01%	0.01%
$100,000 and up	0.01%	0.01%

Business Checking

Balance	Interest Rate	APY*
All Balances	0.05%	0.05%

Personal Savings

Balance	Interest Rate	APY*
$0 - $9,999	0.01%	0.01%
$10,000 - $49,999	0.01%	0.01%
$50,000 +	0.01%	0.01%

Rates current as of: June 4, 2025

Minimum to open statement savings: $100

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Balance	Interest Rate	APY*
$0 - $9,999	0.01%	0.01%
$10,000 - $49,999	0.01%	0.01%
$50,000 +	0.01%	0.01%

Rates current as of: June 4, 2025

Minimum to open minor savings: $25

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Balance	Interest Rate	APY*
Less than $2,499	0.01%	0.01%
$2,500-$9,999	0.01%	0.01%
$10,000-$24,999	0.01%	0.01%
$25,000-$49,999	0.01%	0.01%
$50,000-$99,999	0.01%	0.01%
$100,000 and up	0.01%	0.01%

Rates current as of: June 4, 2025

Minimum to open: $50

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Balance	Interest Rate	APY*
$0 - $2,000	0.10%	0.10%
$2,001 - $9,999	0.01%	0.01%
$10,000 - $49,999	0.01%	0.01%
$50,000 +	0.01%	0.01%

Rates current as of: June 4, 2025

Minimum to open: $10

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Balance	Interest Rate	APY*
Less than $2,499	0.05%	0.05%
$2,500-$9,999	0.05%	0.05%
$10,000-$24,999	0.05%	0.05%
$25,000-$49,999	0.05%	0.05%
$50,000-$99,999	0.05%	0.05%
$100,000 and up	0.05%	0.05%

Rates current as of: June 4, 2025

Minimum to open: $50

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Balance	Interest Rate	APY*
$0 - $999	0.01%	0.01%
$1,000 - $4,999	2.96%	3.00%
$5,000 - $24,999	3.45%	3.50%
$25,000 +	3.93%	4.00%

Rates current as of: June 4, 2025

Minimum to open: $1,000

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Business Savings

Balance	Interest Rate	APY*
$0 - $9,999	0.01%	0.01%
$10,000 - $49,999	0.01%	0.01%
$50,000 +	0.01%	0.01%

Rates current as of: June 4, 2025

Minimum to open: $50

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Balance	Interest Rate	APY*
$0 - $19,999	0.05%	0.05%
$20,000 - $39,999	2.96%	3.00%
$40,000 - $74,999	3.45%	3.50%
$75,000+	3.93%	4.00%

Rates current as of: June 4, 2025

Minimum to open: $1,000

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Certificates of Deposit (CDs)

	$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)	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%

Rates current as of: June 4, 2025

Minimum to open: $250

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a fixed rate for the term. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

	$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	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
91 Day	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
6 Mth	3.96%	4.00%	3.96%	4.00%	3.96%	4.00%	3.96%	4.00%	3.96%	4.00%
12 Mth	3.75%	3.80%	3.75%	3.80%	3.75%	3.80%	3.75%	3.8%	3.75%	3.80%
18 Mth	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
24 Mth	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
30 Mth	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
36 Mth	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
48 Mth	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
60 Mth	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%

Rates current as of: June 4, 2025

Minimum to open: $1,000

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a fixed rate for the term. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

CDARS® and ICS®

Term	Interest Rate	APY*
4 Weeks	0.50%	0.50%
13 Weeks	2.96%	3.00%
26 Weeks	3.44%	3.50%
1 Year (52 Weeks)	3.25%	3.30%
2 Years (104 Weeks)	2.96%	3.00%
3 Years (156 Weeks)	0.50%	0.50%
5 Years (260 Weeks)	0.50%	0.50%

Rates current as of: June 4, 2025

*APY = Annual Percentage Yield. Minimum deposit of $10,000 required to open a CDARS account. Rate may change after opening. The minimum aggregate deposit amount for the Promontory Interfinancial Network is $250,000.

Account Type	Interest Rate	APY*
Savings and Checking	3.25%	3.25%

Rates current as of: June 4, 2025

*APY = Annual Percentage Yield. No minimum deposit required to open an ICS account. Rate may change after opening. The minimum aggregate deposit amount for the Promontory Interfinancial Network is $250,000.

Municipal Accounts

Term	Interest Rate	APY*
7 Days	3.00%	3.07%
30 Days	3.25%	3.33%
60 Days	3.25%	3.33%
90 Days	4.00%	4.07%
120 Days	4.00%	4.07%
150 Days	4.00%	4.07%
180 Days	4.00%	4.07%
270 Days	4.00%	4.07%
1 Year	3.80%	3.86%
2 Years	2.00%	2.05%
3 Years	2.00%	2.05%
4 Years	2.00%	2.05%
5 Years	2.00%	2.05%

Rates current as of: June 4, 2025

*APY = Annual Percentage Yield. For deposits of $1,000,000 or more, interest is calculated on a 365-day basis. Simple interest paid at maturity. Rates subject to change without notice.

Balance	Interest Rate	APY*
$0 - $19,999	0.05%	0.05%
$20,000 +	0.05%	0.05%

Rates current as of: June 4, 2025

Minimum to open: $50

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Public Funds Interest Checking is limited to government entities.

Mortgage Loans

Get started with your new home purchase or home refinance application online today!

Loan Term	Rate	APR*
10 Year	6.375%	6.621%
15 Year	6.375%	6.567%
20 Year	7.250%	7.397%
30 Year	6.875%	6.984%

Rates current as of: June 4, 2025

*APR = Annual Percentage Rate. NEED RATE TERMS AND CONDITIONS FOR MORTGAGE LOANS HERE.

Learn more about our various government loan programs, or get in touch with a home loan expert, and we're happy to answer your questions and get you started.

Loan Program	30-Year Rate	30-Year APR*
FHA	6.625%	7.438%
MSHDA	6.625%	6.956%
VA	6.99%	7.247%

Offering a Variety of Government-Backed Home Loan Options

FHA Loans - Perfect for first-time buyers or those with low to moderate income.
VA Loans - Designed for Veterans, active-duty service members, and their families
MSHDA Loans - Great for Michigan first-time homebuyers with low to moderate income.

Rates current as of: June 4, 2025

*APR = Annual Percentage Rate.

Learn more about our adjustable rate mortgage options, or contact us, and we'll be sure to get right back to you.

You can also speak directly with a home loan expert, and we're happy to answer your questions and get you started.

To learn more about our great construction loan programs, please contact us. We're excited to hear from you.

Or feel free to get in touch with a home loan expert, and we're happy to answer your questions and get you started.

Personal Loans

Get started and apply online today!

Term in Months	1st Lein Position Rate	1st Lein Position Max LTV (Loan-to-Value)	2nd Lein Position Rate	2nd Lein Position Max LTV (Loan-to-Value)
Up to 180	8.50%	85%	10.25%	80%
Up to 120	8.25%	85%	10.00%	80%
Up to 60	8.00%	85%	9.75%	80%

Rates current as of: June 4, 2025

*APR = Annual Percentage Rate

Annual fee: $0; Minimum loan amount of $10,000

Rates listed require automatic payment from a First State Bank account. Otherwise, rates are .50% higher.

** Lowest APR assumes the loan secured by single family home, loan to value of 85% for first lien position.: debt to income ratio of 43% or less; excellent credit history; maximum loan term; payments do not include amount for taxes or insurance premiums, if applicable, and actual payment may be greater and will vary based upon individual situations and current rates.

A first lien position loan for $25,000 under these assumptions would result in a $246.30 monthly payment: a property tax fee of $90.00 and an underwriting fee of $150.00 are required at closing.

A second lien position loan of $25,000 under these assumptions would result in a $272.63 monthly payment; a property tax service fee of $90.00 and an underwriting fee of $150.00 are required at closing. First mortgage lien positions require an escrow for taxes and insurance. Home Equity rates may change daily. Property insurance required, flood insurance may be required.

All lending products are subject to application and credit approval. Home equity loans and lines are also subject to an acceptable appraisal and title search.

Get started and apply online today!

	Rates as Low as 8.00% (8.03% APR*)¹	Payment Required	Term
Principal & Interest Loan	Prime Rate (7.50%) plus 0.50% as published in Wall Street Journal²	1% of outstanding balance plus interest	10 year
Interest Only Loan³	Prime Rate (7.50%) plus 0.50% as published in Wall Street Journal²	Interest on outstanding balance	10 year

Rates current as of: June 4, 2025

*APR = Annual Percentage Rate

Rates listed require automatic payment from a First State Bank account. Otherwise, rates are .50% higher.

1. Lowest APR assumes the loan secured by single family home, loan to value of 85% for first lien position: debt to income ratio of 43% or less; excellent credit history; maximum loan term; payments do not include amount for taxes or insurance premiums, if applicable, and actual payment may be greater and will vary based upon individual situations and current rates. A $25,000 principal and interest loan under these assumptions, including an $85.00 annual fee, would result in a $304.46 monthly payment.

A $25,000 interest-only loan under these assumptions, including an $85.00 annual fee, would result in a $166.67 monthly payment.

The $85.00 annual fee for Home Equity Lines of Credit is waived for First State Bank Premium Checking accounts.

A property tax service fee of $90.00 is required at closing. First mortgage lien positions may require an escrow for taxes and insurance.

A balloon payment may result in the principal and interest (P&I) loan at the end of the 120-month term. Home Equity rates may change daily. Property Insurance is required. Flood insurance may be required.

All lending products are subject to application and credit approval. Home equity loans and lines are also subject to an acceptable appraisal and title search.

2. Rates are priced on the Wall Street Journal Prime Rate (PRIME), currently 7.50%; Prime is a variable rate with a maximum annual percentage rate (APR) of 18% and is subject to change without notice.

3. For interest-only loans, the 120-month term is interest-only payments. At maturity, the loan will convert to a 180-month P&I loan.

Get started and apply online today!

Model Year	Term	Rate	APR*
2022 - 2025	Max. 60 months	6.50%	6.69%
2022 - 2025	Max. 72 months	7.00%	7.22%
2017 - 2021	Max. 48 months	7.50%	7.76%
2017 - 2021	Max. 60 months	8.00%	8.30%

Rates current as of: June 4, 2025

*APR = Annual Percentage Rate. The lowest APR assumes excellent credit history, automatic loan payment from an FSB account, and 10% down payment on a new car financed for 60 months. A $25,000 purchase under these assumptions, including a $85 service fee, would result in a $490.81 monthly payment.

Recreational Loans may include loans for snowmobiles, personal watercraft, trailers, campers, tractors, and more. Get started and apply online today!

Model Year	Term	Rate	APR*
2024 or newer	120 Months	8.25%	8.56%
2024 or newer	180 months	8.75%	9.10%
2017 - 2023	60 Months	9.25%	9.75%
2017 - 2023	120 Months	9.75%	10.19%

Rates current as of: June 4, 2025

*APR = Annual Percentage Rate. The lowest APR assumes excellent credit history, automatic loan payment from an FSB account, 10% down payment on a new recreational vehicle financed for 120 months with $150 fee. A $25,000 loan under these assumptions would result in a $308.54 monthly payment.

For information on Secured by Savings, Personal Lines of Credit or additional loan options, call or visit a branch.