Savings, Money Market, CD & IRA_New

We’re here for you. You know what you’re saving for. And we know how to help you save. First State Bank offers a variety of savings accounts designed to help you get the most out of your assets while protecting  your future. Check out our account options below and see what sparks your interest.


Save money, access funds easily, and earn interest. It’s pretty simple. Our Personal Savings account serves as an excellent liquid investment account to save for the things you want, especially when you use our automatic transfer from checking to savings program. If you need overdraft protection, just link your Savings account to your Personal Checking account. Simple, but powerful.

Average Daily Balance Maintenance Fee Assessed
$300 or more None
$0 to $299 $3 per month

Savings Account Disclosure

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The more you save, the more you earn. How’s that for incentive? Our high interest money market savings account pays a monthly compounded interest rate based on your balance. The higher the balance, the higher the interest rate. Our goal is to help you save more, every day. You can’t really argue with that. 

Average Daily Balance Maintenance Fee Assessed
$2,500 or more None
$0 - $2,499 $10 per month

*The bank reserves the right not to pay interest any day your daily balance is more than $1,000,000.00

Money Market Savings Account Disclosure

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Reach your goals faster with First State Bank’s Certificates of Deposit.  Our CDs are investment options that provide high rates of interest for specific amounts of time. We offer flexible terms, available from 7 days to 7 years or more.  And you can choose from a variety of F.D.I.C. insured and profitable CDs. Invest in your future – we’re here to help.

Minimum investment: $1,000. Open an account at any branch.


Retirement is all about confidence. A First State Bank IRA helps you defer taxes now, and save for your goals down the road. Our Individual Retirement Accounts can be an important supplement to Social Security and company pension benefits during your retirement years. Both Fixed Rate IRA's and Variable Rate IRA's are available, with terms from 7 days to 7 years or more. We offer Traditional, Roth, SEP and Coverdell Education Savings Account (CESA) IRA’s. What are you doing for the rest of your life? It’s up to you.

  • Traditional IRA*

Traditional IRA's allow you to defer taxes on the earnings on your contributions until they are withdrawn.  In addition, certain contributions are tax deductible in the tax year for which you make them.

  • Roth IRA*

Roth IRA's allow only nondeductible contributions and qualified distributions are tax-free after a five-year holding period.  If you expect to be in a higher tax bracket when you retire, you may benefit from the Roth IRA as contributions are taxed in the year they are earned.

  • SEP IRA*

A Simplified Employee Pension (SEP) plan is a retirement plan established by an employer. Each year, the employer can contribute a percentage of each eligible employee's compensation directly to the employee's Traditional IRA.


The Coverdell Education Savings Account (CESA) is a nondeductible account, set up to pay the qualified education expense of a designated beneficiary who is under 18 or special needs. CESA's feature tax-free distributions for qualified elementary, secondary, or higher education expenses.

*Protected and guaranteed amounts subject to FDIC guidelines. 

Minimum investment: $500. Open an account at any branch.