PROTECT WHAT MATTERS WITH FRAUD SMART BANKING!
At FSB, your security is our priority. That's why we've launched Fraud Smart Banking—a proactive initiative designed to empower our customers with the knowledge and tools to safeguard their finances. As fraud tactics become more sophisticated, staying informed is your first line of defense. Through practical tips, real-life scam scenarios, and step-by-step guides, we’re helping you recognize red flags, spot suspicious activity, and take control of your digital security. Together, let’s build a safer banking experience—because smart banking starts with smart protection. LEARN MORE
Certificate of Deposits
If you don't need immediate access to your funds, a Certificate of Deposit (CD) can provide a higher rate of return than a savings account. CDs are the cornerstone of many solid savings plans. First State Bank CDs, with competitive rates and terms that range from 3 months to 5 years, help many savers meet long and intermediate financial goals. These are time deposits that guarantee a certain rate for a certain length of time. As a result, there may be a penalty for early withdrawal. Contact a First State Representative today to start saving.
Ready for Retirement ?
Whether you're just starting to work or are close to retirement, it's always smart to put money away for your future. First State Bank offers a variety of Individual Retirement Accounts (IRAs) to help you save for a secure, comfortable retirement. Since your earnings are tax-deferred until you make retirement withdrawals, you'll be able to keep all your money working for you year after year. You may even qualify to reduce your current taxable income by deducting your contributions. Your deposits are invested in FDIC insured First State Bank Certificates of Deposit, where they'll earn competitive rates. IRAs are available in terms ranging from 6 months to 4 years and require a $1,000 minimum opening deposit. Contact a First State Bank Representative today to start saving.