HURRICANE IRMA UPDATE- We're Open! Our Key West Simonton St, N Roosevelt Blvd, and Winn-Dixie Offices, Stock Island Office, Summerland Key Office, Big Pine Key Office, Marathon Office, Islamorada Office, Key Largo Office, and Key Largo Tradewinds Plaza Office are open from 9am - 3pm M-F; and our Key West-Simonton St and N Roosevelt Blvd Drive-Thrus as well as our Key West Winn-Dixie and Key Largo Tradewinds Plaza Offices will be open Saturday 9am-1pm. At this time, ATMs are available at all First State Bank Offices.

All Online Banking services are available. All transactions are being processed normally. Publix Presto! ATMs are free to customers.
First State Bank is working to reopen all branches as quickly as possible to help our customers and neighbors pending restoration of vital services.

We're Here To Help! Call us today:
Balance & Account Information: 305-293-0000. Available 24/7
Loan Inquiries: 305-296-8535 or 954-447-8210. Mon-Fri 8 am-6 pm; Sat 9 am-1 pm
Deposit Account Inquiries: 305-296-8535 or 954-447-8222. Mon-Fri 8 am-6 pm; Sat 9 am-1 pm



Personal Loans

 What are you saving for? Big purchases mean big decisions. And we’re here to make those decisions easier for you. First State Bank offers a wide range of loans with flexible terms and simple interest, designed to fit your lifestyle and budget. You deserve to reach your goals. And we love helping you do it.


We want to put you at ease for purchases or costs that may (or may not) have been expected. Our personal unsecured loans offer a fixed payment and interest rate for planned purchases such as a motorcycle, wave runner, boat engine, vacation or wedding; or for unplanned expenses like medical bills, vehicle repairs, or debt consolidation. No matter what your need, we want to help you meet it. 


You've saved, and that says something about you - you're smart about money. So when it comes time for a major purchase or a surprise expense presents itself, don't surrender your hard earned savings, use it to qualify for a loan that has a lower interest rate than unsecured loans. With a First State Bank CD or Savings Secured Loan, you can meet your immediate need, while still continuing to achieve your long term savings goals. It's a win, win!


Need a new (or new to you) car? We can help set the wheels in motion. First State Bank car loans are available for both new and used cars, with simple interest rates and terms tailored to your budget. What do you want to drive? We can help you get where you want to go – so give us a call.


We could say something about floating assets, but we won’t. We promise. We’ll just say we offer simple interest boat loans, available for both new and used vessels. First State Bank’s boat loans are designed to fit your individual lifestyle and cash flow. And we’re ready to help you get out on the water. 


You know where you want to be, and you want a timeshare to ensure you can get there – at least annually.  First State Bank of the Florida Keys offers financing designed exclusively for the timeshare resale market with low rates, long-terms (up to 60 months), and fast approvals for loans between $3,000 and $25,000.  Wherever your paradise is, let us help you get there.