Certificates of Deposits

Invest in your future

Check out our great rates on CD’s (Certificates of Deposit). Fill out the form below to apply for a CD.

7 - 31 Day CD

0.05% APY*

6-11 Month CD

1.04% APY*

36-47 Month CD

1.71% APY*

1-2 Month CD

0.08% APY*

12-23 Month CD

1.30% APY*

48-59 Month CD

1.76% APY*

3-5 Month CD

0.92% APY*

24-35 Month CD

1.43% APY*

60-84 Month CD

2.11% APY*

Introducing HealthGuard CD’s

Invest confidently. If you worry about investing in CDs for fear of needing money for healthcare expenses in the future, The First State Bank has you covered. Our new HealthGuard feature provides peace of mind in knowing that you can withdraw from your CD penalty-free if a medical need arises.**

*Annual Percentage Yield (APY) accurate as of 1/24/2018 and may subject to change at any time. Product offering may be withdrawn at any time. Fees and other conditions may reduce earnings on accounts. $5,000.00 minimum deposit required to open account and obtain APY. A penalty may be imposed for early withdrawals. **Penalty for early withdrawal may be waived for documented medical needs. See bank for details. Member FDIC.

12 month

1.32% APY*

24 month

1.45% APY*

Apply for a CD

With CDs, the term range decides your Annual Percent Yield (APY) (See our CD page for our current rates). You then decide how long you would like your CD for, as long as it falls in your term range. For example: If you wanted a 6 - 11 month CD, you can specifiy your term as 6 months, 7 months, 8 months, 9 months, 10 months, or 11 months and keep the same Annual Percent Yield. Outside this range yields a different APY. You must specify a term in months, unless you are applying for a 7 -31 day CD

*Annual percentage yield is accurate as of February 2018
*For a CD, you must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield. Early withdrawal penalty applies. The penalty will equal six months interest on the amount withdrawn subject to penalty. The interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA, Keogh or other tax qualified plan. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest only on the crediting dates.