PROMOTION

Smart Money Moves Matter

Feel confident about your financial future with options that work as hard as you do. Whether you're looking to grow your savings with a high-yield CD or money market account, or tap into your home's equity for life's next big step, we’re here to help you make smart, stress-free decisions. No complicated jargon—just clear, practical solutions to help you reach your goals with confidence.

Grow Your Savings

4.00%¹ APY
4-Month CD

3.90%¹ APY
7-Month CD

A Certificate of Deposit (CD) is a smart, low-risk way to grow your savings. You lock in a fixed interest rate—often higher than a regular savings account—for a set period of time. That means no surprises, just steady growth. It’s perfect if you’re saving for something down the road and want your money to work for you without the worry.

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Best of Both Worlds Savings

3.65%² APY
Money Market
On balances $25,000+

A money market account gives you the best of both worlds: higher interest than a standard savings account and easy access to your money when you need it. It's a smart choice if you want to earn more without locking your cash away. With added flexibility and steady growth, it’s savings that keep up with your goals.

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Money Works, Not Money Worries

Rates as low as 6.49% APR³ for the first 12 months
Variable rates as low as 7.5% APR⁴ thereafter
Home Equity Line of Credit

Rates as Low as 7.99%⁵ APR
Home Equity Loan
Fixed- Rate 5-Year Term

A home equity loan or line of credit gives you flexible access to the funds you need—
whether you’re covering unexpected expenses, tackling home improvements, or
strengthening your financial security. With the value in your home working for you,
you can move forward with confidence.

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1. Annual Percentage Yield (APY) as of 11/12/2025. Rates on certificates of deposit accounts are fixed for the duration of the term unless otherwise disclosed; fees could reduce earnings; penalty may be imposed for early withdrawal on Certificate of Deposit accounts. You must deposit at least $1,000 to open the 4-Month or 7-Month CD and earn APY. This offer may be canceled at any time.

2. Annual Percentage Yield (APY) accurate as of 11/12/2025 and subject to change. This is a variable rate account, and the interest rates and APYs may change at any time. Balances from $0 - $999 earn 0.01% APY. Balances from $1,000 to $4,999.99 earn 2.65% APY. Balances between $5,000-24,999.99 earn 3.15% APY. Balances $25,000+ earn 3.65% APY. Other terms and restrictions apply. A minimum of $1,000 to open an account. Fees may reduce earnings. Make up to six withdrawals per monthly statement cycle via ATM, in-branch transaction, or online transfer. After six withdrawals, an excess transaction fee will apply for each withdrawal. Interest may be reported on a form 1099-INT for tax purposes.

3. Stated APR (Annual Percentage Rate) is accurate as of 11/18/2025 and is based on credit qualifying conditions, including minimum credit scores and maximum Combined Loan to Value (CLTV). Minimum line amount is $10,000. In addition, stated APR is available subject to the following: 1. At least $10,000 of the line commitment represents new loan commitment amount not currently established with First State Bank. 2. Maintaining automated monthly loan payments from a First State Bank checking account with an attached debit card. Other APRs available if conditions are not met.

4. Sample APR is for illustrative purposes only and is subject to change without notice. It is based on the Wall Street Journal Prime Index Rate as of 11/18/2025, plus a margin. This APR reflects a CLTV of up to 80% on a single-family primary residence with a second-lien and a borrower with a minimum credit score of 720. APR also includes a .5% interest rate discount for maintaining automated monthly payments from a First State Bank account with attached debit card.

Important Information. A HELOC is a revolving line of credit. After any promotional period expires, the APR and payments will be variable based on the Wall Street Prime Index Rate (Index) plus a margin and will increase or decrease with changes in this Index. The margin is fixed over the life of the loan and is based on specific characteristics of the credit application, including credit score, lien position and CLTV. The APR will never exceed 18% or be less than the margin. For HELOCs up to $249,900, closing fees range from $0 to $525 and First State Bank will pay these customary closing fees. There is an annual fee of $85.00 which will be assessed after the 12-month introductory period. For line amounts over $249,900, borrowers will be responsible for fees, including appraisal fees, and title charges which could cost up to $5,000, depending on the line amount. Borrowers are responsible for escrow payments or prepaid costs, if required, including property taxes and assessments, homeowner’s insurance and flood insurance premiums, association fees/dues and other assessments. If the HELOC account is terminated within 36 months of account opening, borrower repayment of closing fees paid by the Bank will be required. Borrower is responsible for making separate payments for property insurance and flood insurance (when required).
HELOCs are subject to credit and property approval. Not all applicants may qualify. Check with the bank for rates, terms, and restrictions. Rates and fees subject to change without notice.

5. Annual Percentage rate is effective as of 11/21/2025. Advertised rate is available under the following conditions: Loan amounts from $10,000 to $1 million dollars, of which $10,000 must be a new loan commitment not currently established with First State Bank; first lien mortgages up to 85% Combined Loan to value (CLTV) or second lien mortgages up to 80% CLTV; Well-qualified borrowers with minimum credit score of 700; and automated loan payments from a First State Bank account with an attached debit card. Other APRs available if all above conditions cannot be met. A sample fixed-rate loan monthly payment based on a second-lien for $25,000 with a CLTV of 80% at 7.99% APR and 5 year term (60 payments) is $506.79. Taxes and insurance are not included so the actual housing payment will be greater. First State Bank will pay customary closing costs for loans up to $249,900, with this promotion. For loan amounts up to $249,900, closing costs typically range from $240 to $2000. Borrowers are responsible for escrow payments or prepaid costs, if required, including property taxes and assessments, homeowner’s insurance and flood insurance premiums, association fees/dues and assessments. Property insurance and flood insurance (if applicable) are required. Not all applicants may qualify. All loans are subject to approval. Rate and fees are subject to change without notice.