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We are committed to providing you with the highest quality of service and our wide range of products have been designed to meet a variety of financial needs.

Our New Accounts Specialists are ready to answer your questions and give you the assistance you need to meet your individual goals. Simply print off an application and bring it into any of our branches along with your picture ID. Contact Us!

Regular Savings

A Savings Account for the Large or Small Depositor!

  • $50.00 minimum opening deposit
  • Competitive interest rates
  • An activity fee of $0.25 will apply for each paper debit paid in excess of 6 per calendar quarter

If the daily balance for the quarter falls below $100.00, a maintenance fee of $3.00 would apply. This will not be charged for the first 90 days of account opening.

Christmas Club Savings

Do holiday bills have you singing the blues instead of Christmas carols? Start a Christmas Club Savings account today!

Regular Christmas Club payments mean you'll have extra money to make this year's holiday more joyous!

  • $10 minimum opening deposit
  • Competitive interest rates
  • No maintenance or activity charges
  • You may make unlimited deposits into your account
  • Program starts the first week of November thru the end of October of the following year
  • Annually, a check will be issued for the balance of the account during the first week of November

Withdrawals from this account are not permitted unless you are closing the account. Accounts closed before maturity forfeit the accrued interest.

Wiz Kidz Savings

At First State Bank & Trust Company, we want to make saving money fun and easy!

  • For customers 18 years of age or younger
  • $10 minimum opening deposit
  • No minimum balance
  • No maintenance or activity charges
  • Competitive interest rates
  • You may access your funds at any time - no withdrawal penalty
  • FREE Wiz Kidz T-Shirt and an invitation to FREE activities

As a part of our Wiz Kidz Savings Club, you will also receive a Wiz Kidz Savings book and a coin bank. Every time your child makes a deposit, you will get a stamp in your book.* Every six stamps you collect you can turn in for prizes, or if you want to be a double saver (a money saver and a stamp saver), hold on to them and turn them in for bigger and bigger rewards.

At the age of 19, the account will become a regular savings account.

*Maximum of four stamps per calendar month. Minimum deposit is $5.00 to receive a stamp.

Health Savings Account (HSA)

Are you concerned about the rising cost of Health Care? Do you have a High Deductible Health Plan? If so, a Health Savings Account may be the perfect solution.

Along with the Security, Flexibility, and Control of your HSA, you will also have a Triple Tax Savings:

  1. Tax deductions when you contribute to your account
  2. Tax-free earning through investment
  3. Tax-free withdrawals for qualified medical expenses. It's an attractive alternative to Medical Savings Accounts (MSAs) or Flexible Spending Arrangements (FSAs) because of fewer restrictions.

You own the HSA and make the decisions regarding contributions and distributions. Contact Us to find out more!

Certificates of Deposit

Whether it's for a rainy day, emergencies or just a long-term goal, our CD's offer a wide range of investment terms with a minimal investment amount to open.

Step-Up, Step-Out CD

This unique CD gives you the flexibility to step up your rate or "step out" a portion of your original investment during the life of the CD. There is a minimum deposit amount of $5,000 and applies to CDs with terms of 24, 36, 48 or 60 months. The main benefits of the CD are:

  1. The option to increase your interest rate twice within the term of your CD. Plus, when you increase your interest rate, you lock in that rate by extending your maturity date one year.
  2. You have the ability to make an annual withdrawal of up to 20% of your original investment with no penalty after the first 6 days of deposit.
    Note: A Step-up, Step-Out disclosure is available upon request.