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Personal > Spend and Pay > Savings

Big Goals, Small Wins, & Everything in Between

Whatever you're working toward—an emergency fund, a dream vacation, or just peace of mind—we’ve got a savings account to help you get there.

Everything You Need to Reach Your Savings Goals

We offer a variety of savings account options so that you can choose the account that lets you save the way you want to help you reach your goals.

All of our savings accounts include:

  • Competitive Interest Rates: Watch your money grow even faster. 
  • Anytime Access: Manage your account anytime with online and mobile banking.
  • Nationwide Fee-Free ATMs: Access your money wherever you go and never pay a fee - ever.
  • Account Alerts: Protect your accounts. Know what’s happening with your money the moment it happens.
  • Automatic Transfers: Set up automatic transfers into your First State Bank savings account to reach your savings goals faster!

Traditional Savings Accounts

Whatever you're working toward—an emergency fund, a dream vacation, or just peace of mind—we’ve got a savings account to help you get there. Save with purpose, build your future, and make your money work for you.

Statement Savings
The Choice Is Yours
Perfect if you want to earn interest while keeping your cash within easy reach.
Minimum to Open
$100
Monthly Service Charge
$2 if minimum balance is not maintained which increases to $5 if account is inactive 730 days and balance is under $500
Unlimited ATMs?
Yes
Minimum Balance to Avoid Service Charge
$100 Minimum Daily Balance
Minor Savings
The Choice Is Yours
Perfect for anyone under 18—start building smart savings habits today!
Minimum to Open
$25
Monthly Service Charge
$2
Unlimited ATMs?
No Up to 5 withdrawals per month allowed
Minimum Balance to Avoid Service Charge
$25 Minimum Daily Balance

Specialty Savings Accounts

Save with purpose. Whether you're planning for holiday expenses or managing healthcare costs, our specialty savings accounts help you set aside money for what matters most. Simple, focused, and built for your goals.

Holiday Savings Club
About the Account:
Save throughout the year and access your funds just in time for holiday shopping.
Minimum to Open
$10
Monthly Service Charge
No
When are funds disbursed?
November 2 (Or next business day)
Health Savings Account (HSA)
About the Account:
Save for medical expenses if you have a high-deductible health plan.
Minimum to Open
$50 Plus, one-time $10 setup fee
Monthly Service Charge
$3
When are funds disbursed?
As needed using your FSB Debit Card or Bill Pay access

Higher Yield Savings Accounts

Whether you're planning ahead, growing long-term wealth, or looking for a smarter way to make your money work harder, our CDs and Money Market accounts offer a stress-free way to save, earn more, and reach your goals faster.

  • High-Yield Rates: Watch your savings grow faster.
  • Flexible Options: Choose terms and balances that match your needs.
  • FDIC Insurance: Your funds are safe and secure.
  • Anytime Access: Manage your account anytime with online and mobile banking.

Easy CD

Perfect if you want a safe, steady way to grow savings without needing a large upfront deposit.

  • Just $250 to open an Easy CD
  • Competitive interest rates
  • Available in 6-month term

Certificate of Deposit (CD)

For those who want secure savings with guaranteed returns.

  • Flexible terms from 30 days to 5 years
  • Competitive, high-yield rates
  • Interest compounded and paid at maturity (under one year) or quarterly (one year or more)
  • Automatic renewals with a 10-day grace period

Purpose Money Market

Great for those who want higher savings rates with access to funds when needed.

  • Competitive rates that increase as your balance grows
  • No balance maximum—your savings keep growing
  • Optional ATM and checks available upon request
  • Six debits per month included
  • Monthly service charge: $10 if the average monthly balance falls below $10,000
  • Excess Debit—$10 for each excess debit over 6 per month
  • Minimum to open: $1,000

Check Your CD Earning Potential

Earning you higher rates, a Certificate of Deposit is a great option for your savings goals. Be sure to check out our handy CD Calculator!

Full FDIC Coverage for Your Deposits

Have a large cash deposit? First State Bank is a member of the IntraFi® Network Deposits, offering ICS® & CDARS® which allows you to access millions in FDIC insurance at participating network banks while working directly with First State Bank. 

Ready to Start Saving?

Visit your nearest First State Bank branch,
or apply online to open the account that fits your savings goals.

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