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First State Bank
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal Savings

Savings that really add up.

Whatever you’re saving for, a dream vacation, college tuition, retirement or simply everyday expenses and future goals, we offer several options to help you meet your savings goals. Open a savings account in person at one of our branches, or conveniently online.

Personal Savings 

Realize your savings goals with a personal account that offers a competitive interest rate on your balance.

Money Market Accounts

Looking for more from your savings? Get more with a money market account

Certificates of Deposit 

Accounts available with competitive interest rates and a variety of terms to meet your needs.

Health Savings Account

Enables you to pay for qualified current health expenses and save for future medical expenses.

Want to compare these accounts side by side?

Savings Account Comparison

Account Details 

Personal Savings Account

  • No minimum opening deposit
  • Only $2 monthly service charge if minimum balance falls below $100
  • Enjoy unlimited deposits, in-lobby withdrawals and ATM access
  • Withdrawals made by electronic transfer or check are limited to 6 per month
  • Your personal savings account may be insured by the FDIC
  • Have a friend or family member under the age of 18? We offer a FREE savings account for them as well.
  • Link your Personal Savings account to your checking account to cover your overdrafts. We'll transfer from your designated Personal Savings account to avoid any overdraft fees for only $2 per transfer. Sweeps from savings accounts to cover an overdraft are included in the 6 transactions per month.
  • Interest rates may change after opening of account
  • A withdrawal fee of $1 may apply if the number of transactions exceed allowable limits
  • Fees may reduce earnings on individual accounts
  • Fee Schedule 

Money Market Account

  • No minimum opening deposit
  • Only $10 monthly service charge if minimum balance falls below $2,500 during your statement cycle
  • Enjoy unlimited deposits, in-lobby withdrawals and ATM access
  • Withdrawals made by electronic transfer or check are limited to 6 per month
  • Your money market account may be insured by the FDIC
  • Earn a higher return from larger balances with tiered interest rates
  • Interest rates may change after opening of account
  • A withdrawal fee of $1 may apply if the number of transactions exceed allowable limits
  • Fees may reduce earnings
  • Fee Schedule 

Certificates of Deposit 

  • $500 minimum opening deposit
  • Your Certificate of Deposit may be insured by the FDIC
  • Earn a higher return for larger balances
  • Interest rates may change at renewal
  • Penalties may apply for early closure
  • Fee Schedule

Health Savings Account 

  • No minimum opening deposit
  • No minimum balance
  • No service charges
  • Variable interest rate account that earns competitive interest
  • Free VISA® Debit Card
  • Available with a qualifying High Deductible Health Plan (HDHP) – please consult a High Deductible Health Plan provider regarding eligibility and contribution/distribution requirements.
  • Unused funds are retained and not forfeited at year-end as with some flexible spending accounts
  • Fee Schedule