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Savings

For the funds you don’t need on hand to run your day to day business, a First State Bank business savings solution can help put your money to work for you. Our interest-earning accounts allow you to save for future growth, while keeping your cash available when you need it. Call or stop by the First State Bank branch nearest you to open your business savings account.

Which savings account is right for you?

Business Savings

This tiered-rate interest-earning account is ideal for businesses looking for a savings account that will grow their funds while keeping money close at hand if needed.

Competitive interest rate

View Details

Balance	Interest Rate	APY*
$0 - $9,999	.01%	.01%
$10,000 - $49,999	.01%	.01%
$50,000 +	.01%	.01%

Business Money Market

Your extra cash has interest-earning potential in a First State Bank business money market account with the convenience of check access.

Competitive interest rate

Higher balances rewarded

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Competitive tiered interest that rewards higher balances
Six electronic withdrawals or transfers¹ to other accounts permitted each month per federal regulations, three of which can be check.
Free download of information into financial management software such as QuickBooks®
Cash (up to $50) for unused checks and debit cards²

1. Electronic transfers include Internet or telephone transfers out of savings into another account and electronic withdrawals including pre-authorized or automatic payments taken out of savings.

2. A per check credit for your unused checks and your old ATM or debit card from another financial institution up to $50 will be issued within two business days of receiving them.

Rates & Fees

Monthly maintenance fee if minimum balance is not maintained: $10
Minimum daily balance to avoid maintenance fee: $10,000
Excess checks paid: $10.00 per check cleared over 3 per month
Maintenance and transaction fees are included under “Service Charges” on statements

Balance	Interest Rate	APY*
$0 - $19,999	.05%	.05%
$20,000 - $39,999	.05%	.05%
$40,000 - $74,999	.05%	.05%
$75,000 +	.05%	.05%

Rates current as of: December 21, 2024

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 Certificates of Deposit (CDs)

In business (and in life) there are few guarantees – but one thing that can be counted on is the return on a First State Bank Certificate of Deposit. A safe way to grow your company’s unused assets and you can choose from a variety of CDs with flexible terms.

High yielding accounts

FDIC insured

Flexible terms

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High yielding FDIC insured account¹
Flexible terms from 30 days to 5 years
Interest compounded and paid at maturity for CDs with terms under one year and quarterly for CDs with terms over one year
CDs automatically renew with 10-day grace period
$250 Easy CD also available – just $250 to open with unlimited deposits allowed throughout the term

1. Withdrawals made before the maturity date may result in a substantial penalty.

Rates & Fees

Minimum to open Easy CD: $250
Minimum to open all other CDs: $1,000

	$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 (182 day) and $250 Easy CD	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
12 Mth	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
13 Mth Special	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
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: December 21, 2024

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.