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      Mortgages

      Term Rate APR**
      15 Yr. 3.875% 3.935%
      30 Yr. 4.375% 4.410%

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      Term Rate APR**
      5 yr 3.490% 3.492%
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IRA

Open an IRA today!

There's still time to contribute for 2017 tax-year. Consult your tax advisor for potential benefits.

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Savings

Save while you selfie

FSB has savings accounts for every stage of life.

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Loyalty Checking

Super Charge Your Checking

Give your savings an extra boost with the FSB Loyalty Checking Account. Earn 3.05% APY on balances up to $20,000!

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Mobile Banking

Mobile Check Deposit

Use the FSB Mobile App to monitor account activity, make transfers, find branches and deposit checks just by snapping a photo.

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  • Current Rates

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  • Apply for a Home Loan

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Mortgages

All Rates
Term Rate APR*
15 Yr. 3.875% 3.935%
30 Yr. 4.375% 4.410%

Home Equity Loans

All Rates
Term Rate APR**
5 yr 3.490% 3.492%

CD Specials^

All Rates
Term Rate APY*
17 Mo. 1.84% 1.85%
34 Mo. 2.14% 2.15%

Low Rates. High return.

New home or remodel, school car or dream convertible, or maybe unplanned furnace replacement, we're here to provide financing options that fit nearly any budget.

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Open And Account

We proudly offer a variety of FSB account options to meet the needs of every customer we serve.

Immediate access to your money is important, but when you don't need it, why not put it to work earning money for you? If you're looking for Waterloo-based checking account (or other eastern Iowa locations), Farmers State Bank has what you need.

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Custom Check Card

Purchase, refinance, remodel or build your dream home!

FSB offers competitive rates, low closing costs and lightning-fast pre-approvals with all our home loans. Feel comfortable knowing you will have the same friendly loan officers from start to finish and take advantage of our flexible payment terms on in-house loans.

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Stay Informed

  • 5 Things You Can Do Now To Manage Your Privacy

    5 Things You Can Do Now To Manage Your Privacy

    Posted Monday, January 01, 2018

    Data Privacy Day, held annually on Jan. 28, is an internationally recognized day dedicated to creating awareness about the importance of privacy and protecting personal information. Take five minutes out of your day to safeguard your online presence for the rest of the year.

    View More

  • Holiday Savings Challenge

    Holiday Savings Challenge

    Posted Friday, December 01, 2017

    This holiday season we challenge you to not only be smart about how much you spend on the holidays but also be smart about how much you save as well.

    View More

  • Do You Know How Your Credit Score Is Calculated?

    Do You Know How Your Credit Score Is Calculated?

    Posted Wednesday, November 01, 2017

    Your credit score is based on very real, very measurable criteria, and you absolutely have the power to change it. In fact, most consumers are in a position to improve their credit with very little effort. Knowing the basics of a credit score is the first step to managing your credit and improving your score.

    View More

  • 10 Money Tips Every College Student Should Know

    10 Money Tips Every College Student Should Know

    Posted Tuesday, August 01, 2017

    As college students head to campus for the fall semester, money management should be on their personal syllabus. FSB has released ten money-saving tips to help college students get an early start on securing their financial future.

    View More

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