Coins growing.

CDs & IRAs

Your Plan for Tomorrow

Our Relationship Bankers are ready to help you with your plan for tomorrow!

Certificate of Deposit (CD)
 Earn higher interest than a traditional savings or money market account with First State Bank's CD products.
  • Competitive interest rates
  • A wide range of terms available (6 months to 5 years)
  • Flexible interest payment methods
  • Security of FDIC insurance coverage (up to allowable amounts)
  • Allow you to customize the CD to your plan and needs.
  • Early withdrawal penalties may apply.
CD Specials
Ask a relationship Banker about our current special: 
  • 10 & 15 month CD Specials
    • Limited time offer
    • Minimum deposit required
    • Higher interest
    • Early withdrawal penalties may apply
Traditional IRA
The Traditional IRA allows you to take advantage of federal income tax deferred earnings and possible yearly tax deductions. This type of IRA can help you pay less in taxes now, using pre-tax dollars to build principal for more earnings later. Everyone under age 70.5 with earned income may participate in a Traditional IRA; however, income limits determine eligibility for tax deductions. Consult your tax advisor.
Roth IRA
While Roth IRA contributions are not tax deductible, earnings are free from federal tax (if certain conditions are met). The Roth IRA also has a lot of flexibility to help you meet your retirement goals. You can access your contributions without IRS penalty and continue to save for retirement past age 70.5, and there are no mandatory distribution requirements.
IRA Rollover
If you are about to change jobs or retire, you may be eligible to receive a distribution from your 401(k) plan. If so, rolling these funds into an IRA will keep the funds tax deferred until withdrawal.

Additional restrictions and terms may apply. See a Relationship Banker for additional information about applicable terms, fees, current interest rates, and annual percentage yields.