Deposit Rates

Rates Effective As Of

CD Specials^

Term Minimum APY* Interest Rate
15 Mo. $5000 1.71% 1.70%
$100,000 1.81% 1.80%
28 Mo. $5000 1.91% 1.90%
$100,000 2.01% 2.00%
39 Mo. $5000 2.05% 2.04%
$100,000 2.15% 2.14%

CDs - Certificate of Deposit^

Term Minimum APY* Interest Rate
< 1 Yr. $5000 0.22% 0.22%
1 Yr. $5000 0.41% 0.41%
2 Yr. $2500 0.51% 0.51%
3 Yr. $2500 0.61% 0.61%
5 Yr. $2500 0.95% 0.95%


CD Info - Early Withdrawal Penalties & Interest Compounding Frequency

Term Summary
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 Fixed 2 Year CD (Interest Compounds Semiannually) $2500 1.10% 1.10%

+IRA Umbrella plans with less than $5,000 will receive an IRA minimum balance fee of $50.00 annually.  (plan is one or multiple CDs in a Roth or Traditional IRA umbrella).  

^Early withdrawal penalties and interest compounding penalties: 91 day to 11 month CD -  Interest penalty equal to CD term, interest compounds every 3 months. 1 year & greater CD - 12 months interest penalty, interest compounds every 6 months.


FSB Elite MMDA Account 2

Term APY* Interest Rate
$0 - $9999.99 0.00% 0.00% Apply Now
$10,000 - $99,999.99 1.02% 1.02% Apply Now
$100,000 - $249,999.99 1.02% 1.02% Apply Now
$250,000 - $999,999.99 1.02% 1.02% Apply Now
$1,000,000 + 1.02% 1.02% Apply Now

2Interest Compounded Monthly, Max 6 Withdrawals per month


FSB Brokerage MMDA 3

Term APY* Interest Rate
$0 - $999.99 0.00% 0.00% Apply Now
$1000 - $24,999.99 0.35% 0.35% Apply Now
$25,000 - $49,999.99 0.35% 0.35% Apply Now
$50,000 - $99,999.99 0.35% 0.35% Apply Now
$100,000 - $299,999.99 0.35% 0.35% Apply Now
$300,000+ 0.35% 0.35% Apply Now

3Interest Compounded Monthly, Max 6 Withdrawals per month


FSB Savings Account 4

Term APY* Interest Rate
$300 minimum balance to open 0.10% 0.10% Apply Now

4Interest Compounded Monthly.  Max 6 Withdrawals per month.


Smart Start Savings Account 6

Term APY* Interest Rate
$0 - $4,999.99 2.00% 1.99% Apply Now
$5,000 - $9,999.99 1.00% 1.00% Apply Now
$10,000 + 0.50% 0.50% Apply Now

6If the daily balance is less than $5,000 then an interest rate of 1.99% & APY of 2.00% will be paid on that portion of the balance. A balance of $5,000-$9,999.99 the interest rate is 1.00% & APY range of 2.00% to 1.50% on that portion of the balance. A balance of $10,000 or more the interest rate is 0 .50% on that portion with an APY range of 1.50% to 0 .50%.


FSB Health Savings Account 7

Term APY* Interest Rate
$0 - $999.999 0.05% 0.05% Contact Us
$1,000.00 - $4,999.99 0.25% 0.25% Contact Us
$5,000 - $14,999 0.75% 0.75% Contact Us
$15,000 + 1.00% 1.00% Contact Us

7Interest Compounded Monthly. Must be enrolled in a high-deductible health plan (HDHP). HSA rules are often complex. The total amount you may contribute per year cannot exceed the published annual limit. Refer to www.IRS.gov or consult a tax professional for additional information.


FSB Gold Now Checking Account 8

Term APY* Interest Rate
$0 - $1,999.99 0.00% 0.00% Contact Us
$2,000 - $9,999.99 0.05% 0.05% Contact Us
$10,000 - $24.999.99 0.05% 0.05% Contact Us
$25,000 - $99,999.99 0.07% 0.07% Contact Us
$100,000+ 0.15% 0.15% Contact Us

8Interest Compounded Monthly


FSB Loyalty Checking Account 9

Term APY* Interest Rate
$0.01-$20,000* 3.05% 3.01% Apply Now
Above $20,000* 0.15% 0.15% Apply Now

9Provided that all monthly qualifications are met; Sign into I-banking (before last business day of the month), receive estatements, minimum of 15 custom check card transactions (excludes ATM withdrawals) with a minimum of $10.00 per transaction and two automatic ACH transactions (all must be posted by the last business day of the month).  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 3.01% & APY of 3.05%. 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 3.01%-0.15%. Account Holder must have or open one additional primary or secondary account relationship other than the FSB Loyalty Checking, debit card, & Ibanking.  


Business Earnings Rate

Term APY* Interest Rate
$100 Minimum Balance to Open 0.50% 0.50% Contact Us

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 these Accounts 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 us at bank@fsb1879.com.