Interest Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Rates and rewards are variable and may change after account is opened.
Fees may reduce earnings.

FSBPremier Checking

2.00% APY on balances up to $25,000 if qualifications are met1

0.03% APY on all balances if qualifications are not met1              

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1 APY=Annual Percentage Yield. APY is accurate as of 12.1.2022. The interest rate and APY depend upon the applicable rate tier. Qualifying transactions must post and settle to the account during the statement cycle. If qualifications are met each statement cycle: (1) balances up to $25,000 receive an APY of 2.00% and (2) balances over $25,000 earn 0.15% APY on the portion of the balance over $25,000, resulting in 0.46% - 2.00% APY depending on the balance. When qualifications are not met, all balances earn 0.03% APY. Rates may change after the account is opened. Minimum to open the account is $1.00. $3.00 Paper Statement fee waived when enrolled to receive eStatements. Once qualifications are met during the statement cycle, any Nationwide ATM fees incurred during the cycle will be refunded up to $15.00 per cycle. MoneyPass ATM transactions are not subject to fees. The following do not count as qualifying transactions for FSBPremier: transfers between accounts, electronic checks, ATM withdrawals and credits to the account via reimbursement to the account's debit card. Limit one account per SSN. Fees could reduce the earning on the account.

First Class Money Market

Minimum balance to earn APY
($2,500.00 Minimum To Open)

Interest Rate

APY

$100,000.00 and Over

2.25%

2.27%

$25,000.00 to $99,9999.99

1.25%

1.26%

$10,000.00 to $24,999.99

1.00%

1.00%

$2,500.00 to $9,999.99

1.00%

1.00%

$0.00 to $2,499.99

1.00%

1.00%

- Less Than $1,000.00 - Subject to Maintenance Fee.
- Interest rate subject to change every other Wednesday.
- A $50 fee will be charged if the account is closed within 90 days.

Savings Accounts

Savings Accounts

Interest Rate

APY

FSBSavings

*$25.00 Minimum to Open

0.15%

0.15%

Business Savings

*$300.00 Minimum to Open

0.15%

0.15%

Club Account1

*$1.00 Minimum to Open

0.25%

0.25%

- Subject to Maintenance Fee.
- A $50 fee will be charged if the account is closed within 90 days.
1Interest is forfeited if balance is withdrawn prior to maturity (last Wednesday in October).

Home Mortgage

Check out our Rates today! Just a few easy steps - 1. Pick your loan officer of choice. 2. Click "Visit My Site" in the bottom right hand corner. 3. Click "Check Rates" on the right hand side of your screen. 

 CHECK RATES

Farm Machinery Loans

Term

APR

5 Year Fixed Rate on New and Refinanced Equipment 

 

7.500%

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Auto Loans

Year

Term

APR

2023-New

60 months

7.25%

2022

54 months

7.50%

2022

48 months

7.25%

2021

48 months

7.75%

2020

48 months

8.00%

2019

36 months

8.00%

2018 and older

36 months

10.50%

Learn More

Other Loans

Type

Term

APR

Second Mortgage

84 months

9.25%

Personal Loans

Term may vary according to loan

Rates may vary - contact the FSB Loan Department for current rates

Secured/Unsecured Line of Credit

 Term may vary according to loan

Rates may vary - contact the FSB Loan Department for current rates

Commercial Loans

Term may vary according to loan

Rates may vary - contact the FSB Loan Department for current rates

Home Equity Line of Credit

Variable

9.50%

CD Loans (FSB)

Equal to CD Maturity

3% Over Yield

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Certificates of Deposit (CDs)

Term

Minimum Deposit

Interest Rate

APY

91 Days

$2,500

3.50%

3.55%+

182 Days

$2,500

3.50%

3.53%1

12 Months

$1,000

3.50%

3.53%

18 Months

$1,000

3.25%

3.28%

24 Months

$1,000

3.00%

3.02%

30 Months

$1,000

3.00%

3.02%

36 Months

$1,000

3.00%

3.02%

48 Months

$1,000

3.00%

3.02%

60 Months

$1,000

3.00%

3.02%

96 Months

$1,000

3.00%

3.02%

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Rates for June 19, 2024 through June 25, 2024.

1 Certificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate.
Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate.
Substantial penalty will be imposed for premature withdrawal. The penalty will only be calculated on the amount withdrawn, if less than the full deposit.
Early Withdrawal Penalty:
- 32 Day through 1 Year terms have a penalty of 6 Months Interest
- Over 1 Year through 8 year terms have a penalty of 12 Months Interest
All Individual Retirement Accounts:
- 32 Day through 1 Year terms have a penalty of 6 Months Interest
- Over 1 Year through 8 Year terms have a penalty of 12 Months Interest

This Week's Certificate of Deposit Specials

Term

Minimum Deposit

Interest Rate

APY

5 Months

$1,000

5.01%

5.08%

7 Months

$1,000

4.75%

4.81%

11 Months

$1,000

4.55%

4.61%

11 Months (Online Special Only)

 

 OPEN Now

$1,000

4.55%

4.61%

28 Months

$1,000

4.25%

4.30%

 

 

Learn More

Rates for June 19, 2024 through June 25, 2024.

1 Certificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate.
Substantial penalty will be imposed for premature withdrawal. The penalty will only be calculated on the amount withdrawn, if less than the full deposit.
Early Withdrawal Penalty:
- 32 Day through 1 Year terms have a penalty of 6 Months Interest
- Over 1 Year through 8 year terms have a penalty of 12 Months Interest
All Individual Retirement Accounts:
- 32 Day through 1 Year terms have a penalty of 6 Months Interest
- Over 1 Year through 8 Year terms have a penalty of 12 Months Interest

 

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