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First State Bank and Trust Co.


It’s the banking equivalent of

having your cake and eating it too:

A CD combined with a high-yield savings account


Certificates of DepositS

Certificates of Deposit (CDs), unlike traditional savings accounts, are a great way to earn interest on money you plan on keeping tucked away. 

We offer a variety of competitive CDs based on your choice of terms. Contact a Customer Service Representative for your customized rates and terms.

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COmpanion Savings Account

Get the best of both worlds with First State Bank & Trust’s Companion Savings account - a high-yield savings account created to accompany newly issued FSBT CDs. Customers who open an FSBT CD with a term of five months or greater are also eligible to open a high-yield savings account of equal or lesser value and benefit from:

✓ Higher APY than a traditional savings account*

✓ No time commitment

✓ No penalty for early withdrawal

✓ Unlimited in-person withdrawals

✓ No minimum balance requirement

✓ No monthly service charge or transaction fee

It’s time to start earning on your terms.
How it works:


When you open a CD with terms of five months or greater with FSBT, you’ll also be eligible to open a Companion Savings Account of equal or lesser value. Both accounts will earn interest and you’ll be able to withdraw from the Companion Savings account with no penalty.

  • Opened with a CD of five months or longer
  • Maximum deposit amount must be equal or less than the value of the CD opened
  • Withdrawals from this account must be made in person
  • Number of additional deposits allowed: None**

*APY = Annual Percentage Yield, this rate is variable and subject to change at any time. Companion Deposit Account must be opened or funded the same day as the associated time deposit (CD). No minimum deposit required to open. No minimum balance requirement or monthly service charge. No transaction fee. Interest is compounded monthly and credited monthly. Unlimited withdrawals in person. Personal accounts only.

**Deposits after original CSA open date are not allowed unless another CD is opened, then a deposit of equal or lesser value of the CD being opened may be made into the existing CSA. Transfers from other accounts or from third parties are not allowed by preauthorized, automatic telephone, computer, check, draft, debit card or other similar order from third parties are not allowed.