Saving for the future is an important goal. Let us help! First State Bank has a savings account that will be a perfect fit for you. Wondering how to start? Click here to email a friendly personal banker.

First State Bank has numerous savings plans that can be customized to fit your needs.

(1) You may make six (6) transactions from your Real Freedom Money Market account each four (4) week or similar period if by preauthorized or by automatic transfer, by telephone (including data transmission) agreement, order, or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions) made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

*A.P.Y. = Annual Percentage Yield

STATEMENT SAVINGS

This account provides you with excellent flexibility and access to your funds. A minimum opening deposit of just $200 is required. The interest rate and annual percentage yield are subject to change at any time. Interest will be compounded quarterly and credited to the account quarterly.

A service charge of $5 per month will be imposed if the balance in the account falls below $200 any day of the month. You may make up to six preauthorized transfers each month. There is no limit to the number of withdrawals you may make each month in person, by messenger, by mail or at an ATM.

We will waive the monthly service charge and minimum balance requirement for minors on this account if the parent maintains an account relationship with First State Bank.

REAL FREEDOM™ MONEY MARKET ACCOUNT

This account lets you earn a higher interest rate on your savings while still allowing you the flexibility to write a limited number of checks. The higher the balance, the higher the rate. The interest rate and the annual percentage yield may change at any time. Interest will be compounded monthly and credited to the account monthly. A minimum opening deposit of $1,000 is required.

A service charge of $10 per month will be imposed if your balance falls below $1,000 any day of the month. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You may make six preauthorized transfers from your account each four week or similar period, three of which may be by check. There is no limit to the number of withdrawals you may make each month in person, by messenger, by mail or at an ATM.

OTHER OPTIONS

If you have a First State Bank checking account, your statement savings account can be accessed at the ATM by using your Visa® Check Card. Transfers can be made to or from your statement savings account or Real Freedom™ Money Market Account by using Tele-A-Bank, First State Bank's 24-hour free customer support line, or Click-N-Bank™, our free Internet banking system, which can be accessed by clicking here.

CERTIFICATE OF DEPOSIT (CD)

This is an interest bearing account. The interest rate will remain in effect for the term of the Certificate. You must deposit a minimum of $2,500 to open the account. You may not make any additional deposits into this account. Interest will be compounded annually and credited annually. For maturities less than one year, interest will not be compounded. Interest will be credited at maturity.

A penalty may be imposed for early withdrawal. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You have 10 days after maturity to withdraw funds without penalty or renew at a different rate and term.

INDIVIDUAL RETIREMENT ACCOUNT (IRA)

If you are under the age of 70 1/2 and have earned income you may be eligible for an IRA plan. Some, all or none of your contribution may be deductible under a traditional IRA plan, depending on your circumstances. We also offer Roth IRA plans. Visit with a bank employee for more details.