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If you receive a call that appears suspicious, disconnect the call and contact First State Bank immediately at 866-372-1275. If it is after hours, leave a message regarding your concern and we will contact you on the next business day.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

First State Bank

Rate Center

Rate Center

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.

College Kid Leaveing Home

Money Market

Destination: Peace of Mind

3.50%* APY
Money Market
On balances $25,000+

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Money Works, Not Money Worries-Home Equity Options

Money Works, Not Money Worries

Home Equity Specials

Rates as low as 6.49% APR* for 12 months
Variable rates as low as 7.5% APR** thereafter
Home Equity Line of Credit
Rates as Low as 7.99% APR***
Home Equity Loan | Fixed- Rate 5-Year Term

Learn More
HOT DOGGIN' SAVINGS

HOT DOGGIN' SAVINGS

Minor Savings Account

It's time to roll up your sleeves and sizzle your
way to amazing savings. Visit a branch to open a new Minor Savings account, and kids can get a $15 bonus deposit* on us!

Learn More

Personal Checking

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

Rates current as of: July 16, 2026

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: July 16, 2026

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: July 16, 2026

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.

$25 daily balance or $2 per month.

Five withdrawals allowed per month thereafter $2 fee per withdrawal.

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: July 16, 2026

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: July 16, 2026

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: July 16, 2026

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 2.47% 2.50%
$5,000 - $24,999 2.96% 3.00%
$25,000 + 3.45% 3.50%

Rates current as of: July 16, 2026

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: July 16, 2026

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 2.47% 2.50%
$5,000 - $24,999 2.96% 3.00%
$25,000+ 3.45% 3.50%

Rates current as of: July 16, 2026

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*
30 Day 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
91 Day 3.26% 3.30% 3.26% 3.30% 3.26% 3.30% 3.26% 3.30% 3.26% 3.30%
4 Mth** N/A N/A 4.09%** 4.15%** 4.09%** 4.15%** 4.09%** 4.15%** 4.09%** 4.15%**
6 Mth 3.27% 3.30% 3.27% 3.30% 3.27% 3.30% 3.27% 3.30% 3.27% 3.30%
7 Mth*** N/A N/A 4.07%*** 4.10%*** 4.07%*** 4.10%*** 4.07%*** 4.10%*** 4.07**** 4.10%**
7 Mth**** N/A N/A 3.67%**** 3.70%**** 3.67%**** 3.70%**** 3.67%**** 3.70%**** 3.67%**** 3.70%***
12 Mth 3.36% 3.40% 3.36% 3.40% 3.36% 3.40% 3.36% 3.40% 3.36% 3.40%
13 Mth*** N/A N/A 4.13%*** 4.20%*** 4.13%*** 4.20%*** 4.13%*** 4.20%*** 4.13%**** 4.20%**
13 Mth**** N/A N/A 3.75%**** 3.80%**** 3.75%**** 3.80%**** 3.75%**** 3.80%**** 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: July 16, 2026

*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.

**Annual Percentage Yield (APY) as of 07/15/2026. 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 $10,000 to open the 4-Month and earn APY on balances. Deposits must be new funds to First State Bank. Transfers from existing First State Bank accounts do not qualify as new money. FDIC insured up to applicable limits. After maturity, the certificate will renew according to the terms disclosed at account opening. This offer may be canceled at any time.

***Annual Percentage Yield (APY) as of 04/01/2026. 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 $5,000 to open the 7-Month CD or 13-month CD and earn APY on balances up to $1,000,000. Promotional APY includes a rate bonus available to customers who open a First State Bank checking account and have recurring direct deposit of at least $500 per month within the first 60 days of account opening. Everyday Checking, Classic Checking, and Premium Checking require a minimum deposit of $50. RI$E Checking requires a minimum opening deposit of $25. If the First State Bank Checking account is closed for any reason, or the link with another account terminated for any reason, the bonus interest rate on the CD will be discontinued and will not be prorated. Instead, the rate paid at maturity for the 7-month CD will be based on the rate in effect for the 6-month CD, and the rate for the 13-month CD will be based on the rate in effect for the 12-month CD. As of 4/1/2026, the rate for the 6-month CD is 3.30% APY and the rate for the 12-month CD is 3.40% APY. These rates are subject to change. Current rates are available on our website at www.fsb.bank/Rate-Center, or by visiting or calling a branch. This offer may be canceled at any time.

****Annual Percentage Yield (APY) as of 04/01/2026.  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 $5,000 to open the 7-Month or 13-Month CD and earn APY on balances up to $1,000,000. This offer may be canceled at any time.

  $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: July 16, 2026

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.

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: July 16, 2026

*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: July 16, 2026

*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 4.04% 4.10%
120 Days 3.90% 3.95%
150 Days 3.91% 3.96%
180 Days 3.91% 3.95%
270 Days 3.93% 3.95%
1 Year 4.038% 4.10%
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: July 16, 2026

*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: July 16, 2026

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 5.875% 6.090%
15 Year 5.99% 6.123%
20 Year 6.875% 7.036%
30 Year 6.250% 6.332%

Rates current as of: July 16, 2026

*APR = Annual Percentage Rate.

Mortgage rates are subject to daily fluctuations. Actual payment amounts will depend on your individual circumstances and current rates. Certain restrictions may apply.

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 5.875% 6.486%
MSHDA 6.375% 7.099%
VA 6.125% 6.333%

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: July 16, 2026

*APR = Annual Percentage Rate.

Mortgage rates are subject to daily fluctuations. Actual payment amounts will depend on your individual circumstances and current rates. Certain restrictions may apply.

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.

Mortgage rates are subject to daily fluctuations. Actual payment amounts will depend on your individual circumstances and current rates. Certain restrictions may apply.

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.

Mortgage rates are subject to daily fluctuations. Actual payment amounts will depend on your individual circumstances and current rates. Certain restrictions may apply.

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: July 16, 2026

*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 7.25% (7.49% APR*)1 Payment Required Term
Principal & Interest Loan

Prime Rate (6.75%) plus 0.50% as published in Wall Street Journal2

 1% of outstanding balance plus interest 10 year
Interest Only Loan3

Prime Rate (6.75%) plus 0.50% as published in Wall Street Journal2

 Interest on outstanding balance 10 year

Rates current as of: July 16, 2026

*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 $294.55 monthly payment. 

A $25,000 interest-only loan under these assumptions, including an $85.00 annual fee, would result in a $151.55 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 6.75%; 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*
2025 or Newer Max. 60 months 6.50% 6.69%
2025 or Newer Max. 72 months 7.00% 7.22%
2018 - 2024 Max. 48 months 7.50% 7.76%
2018 - 2024 Max. 60 months 8.00% 8.30%

Rates current as of: July 16, 2026

*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: July 16, 2026

*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.

Note: “APY” stands for Annual Percentage Yield. "APR" stands for Annual Percentage Rate. All rates are postes as of July 16, 2026 and may change at any time without prior notice. Fees could reduce earnings on posted deposit accounts.

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