Deposit Rates
Rates Effective
6/20/2013
|
|
|
Term
|
Minimum
|
APY*
|
Interest Rate
|
|
19 Mo.
|
$1000
|
0.80%
|
0.80%
|
|
24 Mo. Loyalty CD*
|
$1000
|
1.10%
|
1.10%
|
|
36 Mo Bump Up
|
$1000
|
1.20%
|
1.20%
|
|
60-67 Mo.
|
$1000
|
1.49%
|
1.49%
|
|
*FSB Loyalty CD is only available with a FSB Platinum, Green, Ultimate or Loyalty Checking Account. Monthly requirements of 12 unique (Debit Card, ACH, Payments, Checks) transactions greater than $10.00 each must be met in order to qualify for the stated rate and APY. If the monthly qualifications are not met a lower interest rate and APY of 1.00% will be paid for that period. Maximum deposit amount of $100,000. Personal Accounts only. One FSB Loyalty CD per household.
|
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
|
0.41%
|
0.41%
|
|
2 Yr.
|
$1000
|
0.51%
|
0.51%
|
|
3 Yr.
|
$1000
|
0.61%
|
0.61%
|
|
4 Yr.
|
$1000
|
0.81%
|
0.81%
|
|
5 Yr.
|
$1000
|
0.95%
|
0.95%
|
|
| 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
|
0.70%
|
0.70%
|
|
IRA Fixed* 2 Year CD (Interest Compounds Semiannually)
|
$1000
|
1.10%
|
1.10%
|
|
|
|
|
Balance
|
APY*
|
Interest Rate
|
|
$0 - $999.99
|
$0
|
0.00%
|
0.00%
|
|
$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
|
0.20%
|
0.20%
|
|
$300,000 +
|
$0
|
0.30%
|
0.30%
|
|
* Interest Compounded Monthly
Max 6 Withdrawals per month
|
|
|
Balance
|
APY*
|
Interest Rate
|
|
$0 - $999.99
|
$0
|
0.00%
|
0.00%
|
|
$1000 - $24,999.99
|
$0
|
0.35%
|
0.35%
|
|
$25,000 - $49,999.99
|
$0
|
0.35%
|
0.35%
|
|
$50,000 - $99,999.99
|
$0
|
0.35%
|
0.35%
|
|
$100,000 - $299,999.99
|
$0
|
0.35%
|
0.35%
|
|
$300,000+
|
$0
|
0.35%
|
0.35%
|
|
* Interest Compounded Monthly
Max 6 Withdrawals per month
|
|
|
Balance
|
APY*
|
Interest Rate
|
|
$50 Minimum Balance
|
$0
|
0.10%
|
0.10%
|
|
* Interest Compounded Monthly
Max 6 Withdrawals per month
|
Kids Count Savings (FSB Super Savers)*
|
|
|
Balance
|
APY*
|
Interest Rate
|
|
$5 – $5,000
|
$5
|
1.00%
|
1.00%
|
|
$5,000.01 - $10,000
|
$5000
|
0.50%
|
0.50%
|
|
10,000.01+
|
$0
|
0.25%
|
0.25%
|
|
* Interest Compounded Monthly
Max 6 Withdrawals per month
If the daily balance is $5.00- $5,000.00 the interest rate paid on that portion of the balance will be 1.00% & APY of 1.00%. If the daily balance is between $5,000.01-$10,000 the interest rate paid on that portion of the balance will be 0.50% with an APY range of 1.00% to 0.75%. If the daily balance is over $10,000.00 the interest rate paid on that portion of the balance will be 0.25% with an APY range of 0.75%-0.25%
|
|
|
Balance
|
APY*
|
Interest Rate
|
|
$1000 minimum balance to open
|
$1000
|
0.50%
|
0.50%
|
|
* Interest Compounded Monthly. Must be existing FSB CD funds. $100,000 maximum deposit. Limit one per customer. Max 6 Withdrawals per month
|
FSB Platinum Now Checking Account*
|
|
|
Balance
|
APY*
|
Interest Rate
|
|
$0 - $1,999.99
|
$0
|
0.00%
|
0.00%
|
|
$2,000 - $9,999.99
|
$0
|
0.05%
|
0.05%
|
|
$10,000 - $24.999.99
|
$0
|
0.05%
|
0.05%
|
|
$25,000 - $99,999.99
|
$0
|
0.07%
|
0.07%
|
|
$100,000+
|
$0
|
0.15%
|
0.15%
|
|
* $10,000 combined minimum balance to open.
Interest Compounds Monthly
|
FSB Loyalty Checking Account*
|
|
|
Balance
|
APY*
|
Interest Rate
|
|
$0.01-$20,000*
|
$0
|
2.02%
|
2.00%
|
|
Above $20,000*
|
$0
|
0.15%
|
0.15%
|
|
* Provided that all monthly qualifications are met; Sign into I-banking, receive estatements, minimum of 12 custom check card transactions (excludes ATM withdrawals) with a minimum of $10.00 per transaction and two automatic ACH transactions. If they are not, an APY of .01% and an interest rate of .01% 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.
If the daily balance is $0.01- $20,000.00 the interest rate paid on that portion of the balance will be 2.00% & APY of 2.02%. If the daily balance is greater than $20,000.00 the interest rate paid on that portion of the balance will be 0.15% with an APY range of 2.02%-0.15%
|
|
|
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
|