Our Rates

We take pride in our tradition of providing personal and friendly yet professional and timely service, coupled with competitive and reasonable rates and fees. Included here are both Personal and Business account rates. Also view our Fees.

Personal Checking

Balance Interest Rate APY*
$500 and up .05% .05%

Rates current as of: December 10, 2016

Minimum to open: $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*
Less than $2,499 .05% .05%
$2,500-$9,999 .10% .10%
$10,000-$24,999 .10% .10%
$25,000-$49,999 .15% .15%
$50,000-$99,999 .15% .15%
$100,000 and up .20% .20%

Rates current as of: December 10, 2016

Minimum to open: $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.

Business Checking

Balance Interest Rate APY*
All Balances .05% .05%

Rates current as of: December 10, 2016

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 .05% .05%
$20,000 + .10% .10%

Rates current as of: December 10, 2016

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.

Personal Savings

Balance Interest Rate APY*
$0 - $9,999 .05% .05%
$10,000 - $49,999 .05% .05%
$50,000 + .05% .05%

Rates current as of: December 10, 2016

*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.

Minimum to open statement savings: $100

Balance Interest Rate APY*
$0 - $9,999 .05% .05%
$10,000 - $49,999 .05% .05%
$50,000 + .05% .05%

Rates current as of: December 10, 2016

*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.

Minimum to open minor savings: $25

Balance Interest Rate APY*
Less than $2,499 .05% .05%
$2,500-$9,999 .10% .10%
$10,000-$24,999 .10% .10%
$25,000-$49,999 .15% .15%
$50,000-$99,999 .15% .15%
$100,000 and up .20% .20%

Rates current as of: December 10, 2016

Minimum to open: $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 - $1,999 .25% .25%
$2,000 - $9,999 .05% .05%
$10,000 - $49,999 .05% .05%
$50,000 + .05% .05%

Rates current as of: December 10, 2016

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 .15% .15%
$2,500-$9,999 .15% .15%
$10,000-$24,999 .15% .15%
$25,000-$49,999 .15% .15%
$50,000-$99,999 .15% .15%
$100,000 and up .20% .20%

Rates current as of: December 10, 2016

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.

Business Savings

Balance Interest Rate APY*
$0 - $9,999 .05% .05%
$10,000 - $49,999 .05% .05%
$50,000 + .05% .05%

Rates current as of: December 10, 2016

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 .10% .10%
$20,000 - $39,999 .10% .10%
$40,000 - $74,999 .15% .15%
$75,000 + .15% .15%

Rates current as of: December 10, 2016

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.

CDs and IRAs

  $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) .20% .20% .20% .20% .20% .20% .30% .30% .40% .40%

Rates current as of: December 10, 2016

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.

Term Interest Rate APY*
18 Month .25% .25%

Minimum to open: $100

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 .05% .05% .05% .05% .05% .05% .05% .05% .05% .05%
91 Day .10% .10% .10% .10% .10% .10% .10% .10% .15% .15%
6 Mth (182 day) and $250 Easy CD .20% .20% .20% .20% .20% .20% .30% .30% .40% .40%
12 Mth .25% .25% .30% .30% .30% .30% .40% .40% .40% .40%
18 Mth .30% .30% .40% .40% .40% .40% .40% .40% .50% .50%
24 Mth .50% .50% .50% .50% .60% .60% .60% .60% .60% .60%
30 Mth .50% .50% .50% .50% .60% .60% .60% .60% .60% .60%
36 Mth .70% .70% .75% .75% .75% .75% 1.00% 1.00% 1.20% 1.21%
48 Mth .85% .85% 1.10% 1.10% 1.10% 1.10% 1.20% 1.21% 1.30% 1.31%
60 Mth 1.05% 1.05% 1.30% 1.31% 1.30% 1.31% 1.30% 1.31% 1.50% 1.51%

Rates current as of: December 10, 2016

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.

Mortgage Loans

Term Rate Points
5 /1 ARM 7.500% 1.00

All loans and pre-qualifications are subject to credit approval and/or acceptable appraisal. You must carry insurance on the property that secures a loan, and flood insurance may be required. Any taxes or additional conditions imposed by the city, state or county that the subject property is located in will be the borrower's responsibility. Program terms and conditions are subject to change at any time without notice.

For an APR of 7.5%, then 50 monthly payments would be $6.99 per $1,000 borrowed.

Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment may be greater.

Personal Loans

Visit our Mortgage Center to apply online.

Term in Months Annual Percentage Rates as low as:**
Up to 60 6.25%

Rates current as of: December 10, 2016

Annual fee: $0

Rates listed require automatic payment from a First State Bank account, otherwise rates are .25% higher.

*Consult your tax advisor regarding tax deductibility

**Lowest annual percentage rate assumes the loan secured by single family home, loan-to-value ratio of 85%; debt-to-income ratio of 43% or less; excellent credit history; maximum loan term; automatic payment from a FSB account; 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 would result in a $486.21 monthly payment. A property tax service fee of $75.00 is required at closing. First Mortgage lien positions may require an escrow for taxes and insurance.  Property insurance required, flood insurance may be required.

Annual Percentage Rate as low as Payment Required Term
Principal & Interest Loan 4.50%1
Prime Rate plus 1% as published in Wall Street Journal2
1% of outstanding balance plus interest 5 year
Interest Only Loan 4.50%1
Prime Rate plus 1% as published in Wall Street Journal2
Interest on outstanding balance 10 year

Rates current as of: December 10, 2016

*Consult your tax advisor regarding tax deductibility. 

1. Lowest annual percentage rate assumes the loan secured by single family home, loan-to-value ratio of 85%; 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 would result in a $343.75 monthly payment.  A $25,000 interest only loan under these assumptions, including a $50 annual fee, would result in a $93.75 monthly payment. The $50 annual fee for the Interest Only Line of Credit is waived for First State Bank Premium checking accounts. A property tax service fee of $75.00 is required at closing. First Mortgage lien positions may require an escrow for taxes and insurance. A balloon payment may result at the end of the five or 10 year loan term. Home equity rates may change daily. Property insurance required, flood insurance may be required.

 2. Rates are priced on the Prime Rate (Prime) which is published on the last business day of the month in the Wall Street Journal, currently 3.50 %; Prime is a variable rate with the maximum annual percentage rate (APR) of 18% and is subject to change without notice.

Car Model Year Term Annual Percentage Rate with Automatic Payment* Annual Percentage Rate without Automatic Payment*
New Car 2016-2015 Max. 60 months Varies on term with rates as low as 2.49% Varies on term with rates as low as 3.49%
Used Car 2014 - 2008 Max. 48 months Varies on model year with rates as low as 2.99% Varies on model year with rates as low as 3.99%

Rates current as of: December 10, 2016

For a complete schedule of rates for new and used vehicles, please download our Auto Loan Rates (PDF).

*Lowest annual percentage rate assumes excellent credit history, automatic loan payment from a FSB account, 10% down payment on a new car financed for 60 months.  A $25,000 loan under these assumptions, including a $75 service fee, would result in a $400.55 monthly payment.

For loan rates for unsecured loans, secured by savings, boats, recreational vehicles, snowmobiles and jet skis loans – download our Personal Loan Rates (PDF)*.  

Type Term Annual Percentage Rate* as low as
Fixed Up to 120 months 5.99%
Fixed Up to 180 months 6.99%

Rates current as of: December 10, 2016

For  a complete schedule of loan rates on new or used automobiles, boats, recreational vehicles, trailers, snowmobiles or Jet skis, please download our Personal Loan Rates (PDF)*. 

*Lowest annual percentage rate assumes excellent credit history, automatic loan payment from a FSB account, 10% down payment on a new boat financed for either 120 months or 180 months. A $40,000 loan under these assumptions, including a $150 service fee, would result in a $445.56 monthly payment for 120 months or $360.70 monthly payment for 180 months. There is a $150 service fee excluding loans secured by savings; $50 service fee for loans secured by savings.

Note: “APY” stands for Annual Percentage Yield. These accounts earn interest at a variable rate. APY is accurate as of December 10, 2016. These rates may change at any time without prior notice. Fees could reduce earnings on the account.