PROMOTION

Your Destination is Up to You

We'll help you get there.

Saving money doesn't have to be complicated. No matter what you're saving for, a Certificate of Deposit (CD) or Money Market from First State Bank can help you get there.

Destination: Safety Net

4.20% APY¹
13-Month CD (when you open with an FSB Checking account with direct deposit)

4.10% APY¹
7-Month CD (when you open with an FSB Checking account with direct deposit)

In times of uncertainty, having a safety net can bring peace of mind. A Certificate of Deposit (CD) offers a guaranteed rate of return, at a rate higher than a typical savings account. To help you reach your savings goal a bit faster, for a limited time, your savings can get the boost of a bonus rate when you open a CD + Checking account and set up a direct deposit to your checking account within the first 60 days of opening an account. Rely on FSB to help you reach your destination, whatever it may be.

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A man and his young children are on a lake in a rowboat

Destination: Alaskan Cruise

3.80% APY²
13-Month CD

3.70% APY²
7-Month CD

Whether you're trying to build emergency savings or save up for that dream vacation, you can get there with a CD from First State Bank. CDs are a low risk way to save, with a guaranteed rate of return for the term of your CD. When you've got a destination in sight, we'll help you get there.

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A photo of a whale breaching along a scenic Alaskan coast

Destination: Peace of Mind

3.50%³ 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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Photo of a teenage boy loading his car trunk while his parents look on from the front porch

1. Annual Percentage Yield (APY) as of 04/01/2026. Rates on Certificate 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 $5,000 to open the 7-Month CD or 13-month CD and earn APY on balances up to $1,000,000. Promotional APY includes a rate bonus available to customers who open a First State Bank checking account and have recurring direct deposit of at least $500 per month within the first 60 days of account opening. Everyday Checking, Classic Checking, and Premium Checking require a minimum deposit of $50. RI$E Checking requires a minimum opening deposit of $25. If the First State Bank Checking account is closed for any reason, or the link with another account is terminated for any reason, the bonus interest rate on the CD will be discontinued and will not be prorated. Instead, the rate paid at maturity for the 7-month CD will be based on the rate in effect for the 6-month CD, and the rate for the 13-month CD will be based on the rate in effect for the 12-month CD. As of 4/1/2026, the rate for the 6-month CD is 3.30% APY, and the rate for the 12-month CD is 3.40% APY. These rates are subject to change. Current rates are available on our website at Rate Center, or by visiting or calling a branch. This offer may be canceled at any time.

2. Annual Percentage Yield (APY) as of 04/01/2026. Rates on Certificate of Deposit accounts are fixed for the duration of the term unless otherwise disclosed; fees could reduce earnings; a penalty may be imposed for early withdrawal on Certificate of Deposit accounts. You must deposit at least $5,000 to open the 7-Month or 13-Month CD and earn APY on balances up to $1,000,000. This offer may be canceled at any time.

3. Annual Percentage Yield (APY) accurate as of 2/4/2026 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 2.50% APY. Balances between $5,000-24,999.99 earn 3.00% APY. Balances $25,000+ earn 3.50% 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.

Destination