Check out First State Bank's Certificates of Deposit and Individual Retirement Accounts. It's a smart way to help manage your money, save for your future and make the most of what you've got.

It's helpful to plan ahead. Click here to view calculators.

Account Type More Info Terms Available Minimum To Open Product Inquiry Form
Short Term Certificates of Deposit More» 7 Days to 12 Months $5000.00 Inquire

Certificates of Deposit

First State Bank CDs offer high earnings and peace of mind for security-conscious savers. With interest rates guaranteed over terms ranging from 7 days to 12 months, you have the liquidity you need and the control you want (Penalty for early withdrawal). For maximum flexibility and compounded earnings, all of our term accounts allow free automatic transfer of CD interest.

Your CD features:

  • Maturities available from 7 days to 12 months
  • Free Online Banking, keep up to date on your CDs
  • A fixed interest rate
  • Low minimum deposit, put your money to work today
  • Convenient, automatic renewal at maturity
  • Interest payments may be conveniently deposited to your First State Bank checking or paid through direct deposit.

Long Term Certificates of Deposit More» 18 Months to 60 Months $500.00 Inquire

Certificates of Deposit

First State Bank CDs offer high earnings and peace of mind for security-conscious savers. With interest rates guaranteed over terms ranging from 18 months to 5 years, you have the liquidity you need and the control you want (Penalty for early withdrawal). For maximum flexibility and compounded earnings, all of our term accounts allow free automatic transfer of CD interest.

Your CD features:

  • Maturities available from 18 months to 5 years
  • Free Online Banking, keep up to date on your CDs
  • Fixed or variable interest rate CDs available
  • Low minimum deposit, put your money to work today
  • Convenient, automatic renewal at maturity
  • Interest payments may be conveniently deposited to your First State Bank checking or paid through direct deposit.

Senior Saver CD More» 12 Months to 60 Months $5000.00 Inquire

Senior Saver CD

A First State Bank Senior Saver CD is for our customers age 60 and over. This product allows withdrawals of up to ½ of the original balance without a penalty. A minimum investment of $5000 for a 1 year term or longer is required.

Prime Advantage CD More» 23 Months $5000.00 Inquire

Prime Advantage CD

The Prime Advantage CD has an adjustable rate equal to 60% of National Prime. Interest is compounded quarterly and the rate adjusts the first business day of each calendar quarter. Additional deposits can be made at any time with an initial minimum investment of $5000 for 23 months.

Fixed Rate IRAs More» 7 Days to 60 Months $500.00 to $10,000.00 Inquire

Fixed Rate IRAs

  • The security of FDIC protection.
  • Terms available from 7 days to 60 months based upon your needs.
  • No opening fee or annual fee.
  • View your balances online anytime with free online banking.

Traditional IRA

A traditional IRA is a personal savings plan that may give you tax advantages for setting aside money for retirement. Contributions you make to a traditional IRA may be fully or partially deductible, depending on your income tax circumstances. Generally, amounts in your traditional IRA (including earnings and gains) are not taxed until distributed. You can contribute up to the year you turn 70 1/2 as long as you have earned income.

Roth IRA

A Roth Individual Retirement Account is a powerful way to help you plan and enjoy your retirement years. Although your contributions aren't tax-deductible, your earnings grow tax-free and are also tax-free when you take distributions at retirement age. You can contribute at any age as long as you have earned income and meet the income limitations.

CESA (Coverdell Education Savings Account)

When your children are young, it's hard to imagine them strolling a college campus or cramming for final exams. But it's never too early to begin saving - especially when your funds could be growing tax-free in a Coverdell ESA.

  • Earnings grow tax-free if distributions are used for qualified education expenses
  • Contributions can be made until the beneficiary reaches age 18
  • Higher education distributions are permitted

Full IRA account disclosures will be provided to accountholder at the time of new IRA account opening

Variable Rate IRA More» 18 Months $25.00 Inquire

Variable Rate IRAs

  • The security of FDIC protection.
  • No opening fee or annual fee.
  • Contributions can be made to your IRA at any time.
  • View your balances online anytime with free online banking.
  • Adjusted monthly at the average two year treasury note rate for the prior month.
  • Flexibility of contributions anytime during the term.

Traditional IRA

A traditional IRA is a personal savings plan that may give you tax advantages for setting aside money for retirement. Contributions you make to a traditional IRA may be fully or partially deductible, depending on your circumstances. Generally, amounts in your traditional IRA (including earnings and gains) are not taxed until distributed. You can contribute up to the year you turn 70 1/2 as long as you have earned income.

Roth IRA

A Roth Individual Retirement Account is a powerful way to help you plan and enjoy your retirement years. Although your contributions aren't tax-deductible, your earnings grow tax-free and are also tax-free when you take distributions at retirement age. You can contribute at any age as long as you have earned income and meet the income limitations.

CESA (Coverdell Education Savings Account)

When your children are young, it's hard to imagine them strolling a college campus or cramming for final exams. But it's never too early to begin saving - especially when your funds could be growing tax-free in a Coverdell ESA.

  • Earnings grow tax-free if distributions are used for qualified education expenses
  • Contributions can be made until the beneficiary reaches age 18
  • Higher education distributions are permitted

Full IRA account disclosures will be provided to accountholder at the time of new IRA account opening

To view First State Bank's current CD rates, click here.

A penalty may be required for early withdrawal.

Interest rates are determined by the bank and may be adjusted at the bank's discretion.

Consult your tax advisor for questions about tax implications relating to your investment in IRA's.