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Rates

Each depositor is insured up to $250,000* by the Federal Deposit Insurance Corporation.

*On July 21, 2010, FDIC insurance has been permanently increased $250,000 per depositor.

Rates Effective:  Annual Percentage Yields accurate as of March 26, 2015.

For a printable rate sheet please go to the bottom of the page and click on the link.

 

Account Type Minimum Deposit to Open Minimum Balance for APY* Interest Rate Annual Percentage Yield
Investors Plus Money Market $2,000.00 $100,000.00 - Plus
$75,000.00 - $99,999.99
$25,000.00 - $74,999.99
$10,000.00 - $24,999.99
$2,000.00 - $9,999.99
$0.00 - $1,999.99
0.25%
0.20%
0.15%
0.10%
0.05%
0.05%
0.25%
0.20%
0.15%
0.10%
0.05%
0.05%
FIRST Class $20.00 $0.00 - $9,999.99
$10,000.00 - $49,999.99
$50,000.00 - Plus
0.05%
0.10%
0.15%
0.05%
0.10%
0.15%
CroixClub $20.00 $0.00 0.05% 0.05%
Business Checking with Interest $100.00 $0.00 0.05% 0.05%
Statement Savings $1.00 $0.00 0.05% 0.05%
Super Kids Savings $1.00 $0.00 0.05% 0.05%

 

Rates may change after account is opened. Please contact First State Bank and Trust for additional disclosures and information regarding service charges and fees. Fees may reduce earnings on the account.

 

Certificate of Deposit Specials

Length of CD Minimum Deposit to Open Minimum Balance for APY* Interest Rate Annual Percentage Yield
33 Months $1,000.00 $0.00 0.60% 0.60%
15 Months $1,000.00 $0.00 0.40% 0.40%

 

 Certificate of Deposit Rates

Length of CD Minimum Deposit to Open Minimum Balance for APY* Interest Rate Annual Percentage Yield
60 Months $1,000.00 $0.00 0.70% 0.70%
48-59 Months $1,000.00 $0.00 0.50% 0.50%
36-47 Months $1,000.00 $0.00 0.40% 0.40%
24-35 Months $1,000.00 $0.00 0.30% 0.30%
12-23 Months $1,000.00 $0.00 0.15% 0.15%
6-11 Months $1,000.00 $0.00 0.10% 0.10%
3-5 Months $1,000.00 $0.00 0.05% 0.05%
         
IRA 12 Month $250.00 0.00 0.15% 0.15%

 

*Annual Percentage Yield

Rates are subject to change. We may impose a penalty if you withdraw any portion of the principal or interest before the maturity date.
The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

    
Contact us for the most current loan interest rates.