Rates
Each depositor is insured up to $250,000 by the Federal Deposit Insurance Corporation.
Rates Effective: Annual Percentage Yields accurate as of October 1, 2025.
Deposit Rates
| Account Name | Minimum Deposit to Open | Min Balance for APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| Investors Plus Money Market | $2,000.00 | $500,000.00 - Plus | 2.50% | 2.53% |
| Investors Plus Money Market | $2,000.00 | $250,000.00 - $499,999.99 | 2.00% | 2.02% |
| Investors Plus Money Market | $2,000.00 | $75,000.00 - $249,999.99 | 1.50% | 1.51% |
| Investors Plus Money Market | $2,000.00 | $25,000.00 - $74,999.99 | 1.00% | 1.00% |
| Investors Plus Money Market | $2,000.00 | $0.00 - $24,999.99 | 0.50% | 0.50% |
| First Class | $20.00 | $50,000.00 - Plus | 0.10% | 0.10% |
| First Class | $20.00 | $10,000.00 - $49,999.99 | 0.05% | 0.05% |
| First Class | $20.00 | $0.00 - $9,999.99 | 0.05% | 0.05% |
| Croix Club |
$20.00 | $0.00 | 0.05% | 0.05% |
| Business Checking with Interest | $100.00 | $0.00 | 0.01% | 0.01% |
| Statement Savings | $1.00 | $0.00 | 0.05% | 0.05% |
| Super Kids Savings | $1.00 | $0.00 | 0.05% | 0.05% |
| Health Savings Account | $1.00 | $5,000.00 - Plus | 0.60% | 0.60% |
| Health Savings Account |
$1.00 | $0.00 - $4,999.99 | 0.15% | 0.15% |
Rates may change after account is opened. Please contact First State Bank and Trust for additional disclosures and information regarding service charges and fees.
Fees may reduce earnings on the account.
Certificate of Deposit Rates
| Length of CD | Min Deposit to Open | Min Balance for APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| 13 Months | $1,000.00 | $0.00 | 3.75% | 3.75% |
| 7 Months | $1,000.00 | $0.00 | 3.95% | 3.95% |
| 60 Months | $1,000.00 | $0.00 | 3.00% | 3.03% |
| 48-59 Months | $1,000.00 | $0.00 | 3.00% | 3.03% |
| 36-47 Months | $1,000.00 | $0.00 | 3.00% | 3.03% |
| 24-35 Months | $1,000.00 | $0.00 | 3.25% | 3.29% |
| 12-23 Months | $1,000.00 | $0.00 | 3.25% | 3.29% |
| 6-11 Months | $1,000.00 | $0.00 | 0.05% | 0.05% |
| 3-5 Months | 1,000.00 | $0.00 | 0.05% | 0.05% |
We may impose a penalty if you withdraw any portion of the principal or interest before maturity date.
The annual percentage yield (APY) assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
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