Rates

Deposit Rates

Rates Effective 2/22/2012

CD Specials
Term Minimum APY* Interest Rate
18 Mo. $1000 1.02% 1.02%
24 Mo. Loyalty CD $1000 1.50% 1.50%
36 Mo Bump Up $1000 1.60% 1.60%
60-67 Mo. $1000 2.05% 2.04%
CDs - Certificate of Deposit
Term Minimum APY* Interest Rate
91 Day $1000 0.22% 0.22%
6 Mo. $1000 0.28% 0.28%
9 Mo. $1000 0.31% 0.31%
1 Yr. $1000 0.44% 0.44%
2 Yr. $1000 0.65% 0.65%
3 Yr. $1000 0.75% 0.75%
4 Yr. $1000 1.00% 1.00%
5 Yr. $1000 1.25% 1.24%
CD Info - Early Withdrawal Penalties & Interest Compounding Frequency
91 Day To 11 Month CD Interest Penalty Equal to CD term, Interest Compounds every 3 Mo
1 Year & Greater CD 12 Mo Interest Penalty, Interest Compounds every 6 Mo
Individual Retirement Accounts - Roth or Regular IRA
Term Minimum APY* Interest Rate
IRA Variable* 1 Year CD (Interest Compounds Daily) $1000 0.80% 0.80%
IRA Fixed* 2 Year CD (Interest Compounds Semiannually) $1000 1.50% 1.50%
FSB MMDA Account*
Balance APY* Interest Rate
$1000 - $24,999.99 $0 0.05% 0.05%
$25,000 - $49,999.99 $0 0.05% 0.05%
$50,000 - $99,999.99 $0 0.05% 0.05%
$100,000 - $299,999.99 $0 0.30% 0.30%
$300,000 + $0 0.50% 0.50%
* Interest Compounded Monthly
Max 6 Withdrawals per month
FSB Brokerage MMDA*
Balance APY* Interest Rate
$0 - $999 $0 0.50% 0.50%
$1000 - $24,999.99 $0 0.50% 0.50%
$25,000 - $49,999.99 $0 0.50% 0.50%
$50,000 - $99,999.99 $0 0.50% 0.50%
$100,000 - $299,999.99 $0 0.50% 0.50%
$300,000+ $0 0.50% 0.50%

* Interest Compounded Monthly
Max 6 Withdrawals per month

Savings Account*
Balance APY* Interest Rate
$50 Minimum Balance $0 0.10% 0.10%
* Interest Compounded Monthly
Max 6 Withdrawals per month
FSB Platinum Now Checking Account*
Balance APY* Interest Rate
$0 - $1,999.00 $0 0.00% 0.00%
$2,000 - $9,999.00 $0 0.05% 0.05%
$10,000.00 - $24.999.99 $0 0.05% 0.05%
$25,000 - $99,999.99 $0 0.10% 0.10%
$100,000+ $0 0.25% 0.25%
* $10,000 combined minimum balance to open.
Interest Compounds Monthly
FSB Loyalty Checking Account*
Balance APY* Interest Rate
$0.01-$25,000* $0 2.02% 2.00%
Above $25,000* $0 0.50% 0.50%

* Provided that all monthly qualifications are met; Sign into I-banking, receive estatements, minimum of 12 photo check card transactions (excludes ATM withdrawals) and two automatic ACH transactions. If they are not, an APY of .10% and an interest rate of .10% will be earned on all balances ***Charges up to $10.00 per month imposed at US non-proprietary ATM's will be refunded to your account by the 15th of the following month if the above conditions are met.  This account is only available to customers in our trade area.

Business Earnings Rate*
Balance APY* Interest Rate
$100 Minimum Balance to Open $0 0.50% 0.50%

Each depositor insured to at least $250,000.

APY (Annual Percentage Yield) and Interest Rate are variable and may change DAILY. Fees may reduce earnings on FSB MMDA, Savings, and FSB Platinum NOW accounts

For more details on this Account please refer to the Truth in Savings Disclosure link at the bottom of the page.

For more details please visit a Farmers State Bank location, call FSB at 1-877-FSB-1879,
or email FSB at bank@fsb1879.com