Current Rates

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Interest Rates
To Meet Your Needs

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Checking Account Rates

Account TypeMinimum Opening BalanceMinimum Balance Required to Earn APYAPY*
FSB Free Checking
$50
-
-
FSB Interest Checking
$1,000
$1,000
0.05%
FSB 50 Plus Checking
$1,000
$1,000
0.05%
FSB Preferred Checking
$2,500
$2,500
0.05%

 

Savings Account Rates

Account TypeMinimum Opening BalanceMinimum Balance Required to Earn APYAPY*
Regular Savings  Accounts
$50
$50
0.25%
Health Savings Accounts (HSA)
$100
$100
3.50%
UTMA Savings Accounts
$1
-
0.25%
Christmas Club Accounts
$1
-
0.25%

 

Certificates of Deposit Rates

Term  Min BalanceRateAPY*
31 days $1,000  2.96%3.00%
91 days$1,000  3.20%3.25%
182 days$1,000  3.54%3.60%
9 months$1,0003.34%3.40%
12 months$1,000  3.20%3.25%
13 months$1,000  3.20%3.25%
18 months$1,000  2.955%3.00%
24 months$1,000  2.47%2.50%
30 months$1,000  2.23%2.50%
36 months  $1,000  1.98%2.00%
48 months$1,000  1.98%2.00%
60 months$1,000 1.98%2.00%

 

IRA Rates

Term  Min Bal  Rate  APY*
12 months$1,000  3.20%3.25%
13 months$1,000  3.20%3.25%
18 months$1,000  2.955%3.00%
24 months$1,000  2.47%2.50%
30 months$1,000  2.23%2.50%
36 months$1,000  1.98%2.00%
48 months$1,000  1.98%2.00%
60 months$1,000 1.98%2.00%

 

Money Market Accounts

TermAmountRateAPY*
MM Tier 1$100,0001.24%1.25%
MM Tier 2$50,0000.85%0.85%
MM Tier 3$25,0000.80%0.80%
MM Tier 4$2,5000.75%0.75%

TERMS AND CONDITIONS

Please contact our representative for complete disclosures on our products/services.

*A penalty may be imposed for early withdrawal.

*Withdrawal of interest will reduce earnings.

*Fees could reduce account earnings

*Interest rates are based on Market conditions.
*Loans against Savings Accounts and Certificates of Deposit are made at 2% above the deposit interest rate.

CD Interest: Interest is compounded daily and credited monthly on all certificates

CD Early Withdrawal Penalty: CD/s withdrawn before maturity have penalty applied based on the length of the term.

*IRA’s – Term must be for 12 months or greater – same as CD’s
*Rates subject to change without notice.
*APY refers to Annual Percentage Yield based on simple interest.
*APR refers to Annual Percentage Rate based on simple interest

Rates are accurate as of 01/26/26.