Interest Rates

Interest Rates by Account Type1

Personal Checking & Savings Accounts

Business Checking & Savings Accounts

Certificates of Deposit

Certificates of Deposit Specials

IRA Certificates of Deposit

Money Market Account Specials

Personal Money Market Accounts

Business Money Market Accounts

Health Savings Accounts

Compare Our Rates1,4

When shopping for competitive interest rates, look no further than First State Bank. Here you will find today’s rates for all of our interest bearing accounts. Have account questions or want to inquire about interest rate matching? Don’t hesitate to call our Customer Care team at 636-940-5555 or contact a banking center manager.

Interest Rates1 by Account Type

Checking & Savings Accounts1

Business Checking & Savings Accounts1

Certificates of Deposit1

Personal Money Market Accounts1

Business Money Market Accounts1

Health Savings Accounts1

Personal Checking & Savings Accounts1

Premium Now CheckingRegular SavingsIRA SavingsNext Generation Savings
Interest Rate
0.60%
0.50%
0.90%
0.50%
Annual Percentage Yield (APY)
0.60%
0.50%
0.90%
0.50%
Opening Deposit
$100
$100
$100
$75
Monthly Service Fee
$0

($10 if balance falls below $1,000)2

$0

($4 if balance falls below $200)2

$0

($5 if balance falls below $250)2

$0

Business Checking & Savings Accounts1

Business Now Checking3Corporate Savings
Interest Rate
0.60%
0.50%
Annual Percentage Yield (APY)
0.60%
0.50%
Opening Deposit
$100
$100
Monthly Service Fee
$10
$0

($4 if balance falls below $300)2

Certificates of Deposit Specials4

5 month7 month13 month
Interest Rate
5.03%
4.41%
4.55%
Annual Percentage Yield (APY)
5.15%
4.50%
4.65%
Minimum Deposit
$5,000

(Not available with IRAs)

$5,000

(Not available with IRAs)

$5,000

(Not available with IRAs)

Certificates of Deposit4

3 month6 month12 month18 month24 month
Interest Rate
1.74%
2.47%
2.57%
2.71%
2.96%
Annual Percentage Yield (APY)
1.75%
2.50%
2.60%
2.75%
3.00%
Minimum Deposit
$1,000
$1,000
$1,000
$1,000
$1,000

IRA Certificates of Deposit4,5

3 month6 month12 month18 month24 month
Interest Rate
1.74%
2.47%
2.57%
2.71%
2.96%
Annual Percentage Yield (APY)
1.75%
2.50%
2.60%
2.75%
3.00%
Minimum Deposit
$1,000
$1,000
$1,000
$1,000
$1,000

Money Market Account Specials6

$25,000+$50,000+
Term
6 month guaranteed rate6
6 month guaranteed rate6
Interest Rate
3.68%
3.92%
Annual Percentage Yield (APY)
3.75%
4.00%
Opening Deposit
$25,000
$50,000
Monthly Service Fee
$0

($10 if balance falls below $1,000)2

$0

($10 if balance falls below $1,000)2
Special Offer Details

Personal Money Market Accounts1

$200,000+$50,000 - $199,999Under $50,000
Interest Rate
0.95%
0.75%
0.70%
Annual Percentage Yield (APY)
0.95%
0.75%
0.70%
Opening Deposit
$1,000
$1,000
$1,000
Monthly Service Fee
$0

($10 if balance falls below $1,000)2

$0

($10 if balance falls below $1,000)2

$0

($10 if balance falls below $1,000)2

Business Money Market Accounts1

$200,000+$50,000 - $199,999Under $50,000
Interest Rate
0.95%
0.75%
0.70%
Annual Percentage Yield (APY)
0.95%
0.75%
0.70%
Opening Deposit
$1,000
$1,000
$1,000
Monthly Service Fee
$0

($10 if balance falls below $1,000)2

$0

($10 if balance falls below $1,000)2

$0

($10 if balance falls below $1,000)2

Health Savings Accounts1

$25,000+$10,000 - $24,999$2,500 - $9,999Under $2,500
Interest Rate
1.05%
0.90%
0.80%
0.50%
Annual Percentage Yield (APY)
1.05%
0.90%
0.80%
0.50%
Monthly Service Fee
$2
$2
$2
$2

Effective October 19, 2023

1 All products and services are subject to approval, including credit approval. Rates may change after the account is opened. Fees could reduce earnings on the account.

2 Service charges based on the lowest monthly balance.

3 Monthly activity charges are assessed at: Credits $0.35; Debits $0.15; Checks deposited $0.12.

4 The Annual Percentage Yield (APY) for Certificates of Deposit assumes interest will remain on the deposit before maturity. A withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.

5 Early withdrawals prior to 59 ½ years of age are subject to the IRS 10% penalty. Traditional IRAs require income taxes to be paid upon withdrawal. For more information on penalties and penalty exceptions, contact out Customer Care team at 636-940-5555.

6 To take advantage of this offer, you must fund your money market account with a minimum deposit of $25,000 or $50,000 transferred from another bank. Offer activation as of January 30, 2023, and subject to change at any time. Six months after opening the account, the annual percentage yield (APY) is subject to change at any time. Interest is paid on full account balance. The required minimum balance to avoid $10 monthly service charge is $1,000.

About Us