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 Wednesday.
- A $50 fee will be charged if the account is closed within 90 days.

Savings Accounts

Interest Rate

APY

FSBSavings

*$25.00 Minimum to Open

0.15%

Business Savings

*$300.00 Minimum to Open

0.15%

Club Account¹

*$1.00 Minimum to Open

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¹Interest is forfeited if balance is withdrawn prior to maturity (last Wednesday in October).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
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Farm Machinery Loans

Term

APR

5 Year Fixed Rate on New and Refinanced Equipment

7.000%

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Auto Loans

Year	Term	APR
2023-New	60 months	6.90%
2022	54 months	7.25%
2022	48 months	7.00%
2021	48 months	7.50%
2020	48 months	7.75%
2019	36 months	7.75%
2018 and older	36 months	10.25%

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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	9.00%
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 December 18, 2024 through December 24, 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	4.25%	4.33%
7 Months	$1,000	4.15%	4.19%
11 Months	$1,000	4.00%	4.04%
11 Months (Online Special Only) OPEN Now	$1,000	4.00%	4.04%
28 Months	$1,000	4.00%	4.04%

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Rates for December 18, 2024 through December 24, 2024.

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

Interest Rates

FSBPremier Checking

First Class Money Market

Savings Accounts

Home Mortgage

Farm Machinery Loans

Auto Loans

Other Loans

Certificates of Deposit (CDs)

This Week's Certificate of Deposit Specials