Rates

Deposit Rates

Rates Effective 4/24/2014

CD Specials
Term Minimum APY* Interest Rate
19 Mo. $1000 0.80% 0.80%
24 Mo. Loyalty CD¹ $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 0.50% 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 CD
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%
FSB MMDA Account 2
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
 
FSB Brokerage MMDA 3
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
 
FSB Savings Account 4
Balance APY* Interest Rate
$100 minimum balance to open $100 0.10% 0.10%
4 Interest Compounded Monthly. Max 6 Withdrawals per month
 
Kids Count Savings (FSB Super Savers) 5
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%
5 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%
 
FSB Certificate Savings 6
Balance APY* Interest Rate
$50 Minimum Balance $0 0.50% 0.50%
Interest Compounded Monthly, Max 6 Withdrawals per month
 
FSB Platinum Now Checking Account 7
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. May use conbined balance in checking, savings, time accounts, retirement accounts, auto, HELOC, and qualifying outstanding personal loan and line of credit balances. One account per customer. $12 fee if balance falls below minimum.
 
FSB Loyalty Checking Account 8
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%

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, Brokerage, Savings, and FSB Platinum NOW and FSB Loyalty Checking 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