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First State Bank and Trust Co.
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Rates

Deposit Products as of

Checking Accounts - Interest Bearing*

Description Minimum Balance for Interest Rate Interest Rate Annual Percentage Yield (APY) Monthly Compounding
Business Interest Checking
($50 to Open)
$0.00 0.05% 0.05%
Legacy Checking
($50 to open)
$0.00 0.10% 0.10% 
Advantage Checking
($50 to open)
$0.00 0.10% 
0.10% 
Platinum Checking
Tier #1
($0.00 - $1,499.99)
($50 to open)
$0.00 0.10% 0.10%
Platinum Checking
Tier #2
($1,500 & above)
($50 to open)
$1,500 0.15% 
0.15% 
Health Savings Account*
($50 to Open)
$0.00 0.80% 0.80% 


Savings Accounts

Description Minimum Balance for Interest Rate Interest Rate Annual Percentage Yield (APY) Monthly Compounding
Statement Savings
($100 to Open)
$0.00 0.25% 0.25%
Christmas Club ($5 to Open)*** $0.00 0.250% 0.25%
Money Market Demand Account
Tier #2         ($2,500 to open)   ($0 to 24,999.99)
$0.00 1.34% 1.35%
Money Market Demand Account
Tier #1       ($25,000 & above)
$25,000.00 1.49% 1.50% 







Certificate of Deposit**

Description Minimum Balance for Interest Rate Interest Rate Annual Percentage Yield (APY) Monthly Compounding
C.D. 1 Month $1,000.00 0.30% 0.30%
C.D. 3 Months $1,000.00 0.35% 0.35%
C.D. 6 Months $1,000.00 0.70% 0.70%
C.D. 9 Months $1,000.00 0.75% 0.75%
C.D. 12 Months $1,000.00 1.59% 1.60%
C.D. 18 Months $1,000.00 1.62% 1.63%
C.D. 24 Months $1,000.00 1.63% 1.64%
C.D. 30 Months $1,000.00 1.62% 1.63%
C.D. 36 Months $1,000.00 1.67% 1.68%
C.D. 42 Months $1,000.00 1.72% 1.73%
C.D. 60 Months $1,000.00 1.73% 1.74%


Individual retirement accounts**

Description Minimum Balance for Interest Rate Interest Rate Annual Percentage Yield (APY) Monthly Compounding
IRA 6 Months $1,000.00 0.70% 0.70%
IRA 12 Months $1,000.00 1.59% 1.60%
IRA 18 Months $1,000.00 1.62% 1.63%
IRA 24 Months $1,000.00 1.63% 1.64%
IRA 36 Months $1,000.00 1.67% 1.68%
IRA 48 Months $1,000.00 1.72% 1.73%
IRA 60 Months $1,000.00 1.73% 1.74%


*Terms and Conditions
  • Rates subject to change without notice.
  • Account fees may reduce the earnings on the account.
  • For Interest Bearing Checking, Savings, and Christmas Club accounts, we use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the balance in the account each day.
  • **The daily balance method is also used to calculate interest on Certificates of Deposit (CDs) and Individual Retirement
  • Accounts (IRAs). This method applies a daily periodic rate to the principal in your account each day.
  • The interest rate and Annual Percentage Yield may change after the account is opened.
  • If the interest-bearing account is closed before the interest is credited, you will NOT receive the accrued interest.
  • The interest rate and Annual Percentage Yield are accurate as of 5/2/2018.
  • Fees may reduce earnings on the account.
  • Annual Percentage Yield (APY):
    • **Certificates of Deposit and Individual Retirement Accounts - the APY assumes quarterly compounding with funds remaining on deposit for a full year. Interest is credited quarterly.
    • Interest-Bearing Checking, Savings and Christmas Club Accounts - the interest is compounded and credited monthly.
  • **A penalty may be imposed for early withdrawal.
  • ***We will withdraw the balance of your account plus accrued interest and disburse back to the account owners by AFT into the designated First State Bank & Trust account at maturity.
Please see a Customer Service Representative for additional disclosure information. 
If you need information regarding Public Funds, feel free to give us a call at 800-877-3728.