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CDs, IRAs & HSAs


Certificates of Deposit (CDs) | Individual Retirement Accounts (IRAs)Health Saving Accounts (HSAs)FSB Rates | Inquire Now

At FSB, we recognize the value of future planning through savings and investments. With various offerings, like CDs, IRAs, and HSAs, that offer competitive interest rates, we aim to assist you in your savings journey. Begin your growth with us today!

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Certificates of Deposit (CDs)

Looking for a safe and secure way to earn compound interest on your savings? Consider a Certificate of Deposit (CD). You can choose from a range of CDs with various terms and rates. Additionally, we can help you schedule your maturity date(s) to balance potential market rate changes and ensure you have cash available when needed.

Our Bankers are always available to assist you in selecting the right option to help you achieve your financial goals. Stop in to any FSB location and start earning more on your money today!

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CD & IRA Specials

Effective August 25, 2023


7 Months


22  Months


Inquire Now Account Disclosures FSB Rates

See FSB Rates for full list of CD offerings.
Annual Percentage Yield (APY) subject to change without notice. Minimum deposit of $1,000.00 required. Existing CD renewals not subject to the special rates at maturity unless specifically requested at maturity. Interest is compounded and paid quarterly. Fees may reduce earnings. Penalty for early withdraw may apply including loss of principal. For current rate information call 319-377-4891. Rate = Interest Rate
Click “Account Disclosures” button for complete terms and conditions.


Individual Retirement Accounts (IRAs)

An Individual Retirement Account (IRA) enhances your savings and secure your financial future. FSB offers various types of IRA accounts, each with unique features, so you can choose the option that best aligns with your savings goals. Which one is right for you?

Traditional IRA

Looking to save for retirement while reducing your taxable income? A Traditional IRA could be the right choice for you. With this type of savings account, you receive a tax deduction up-front and watch your earnings grow tax-deferred.

Key details:

  • Contribute to a Traditional IRA regardless of age with W-2 earned income.
  • Contributions may be tax-deductible depending on filing status, income, and other factors.
  • The annual contribution limit is $6,000, with an additional $1,000 catch-up contribution allowed for those aged 50 and older.

Roth IRA

Are you seeking an investment option that provides tax-free withdrawals under certain circumstances without requiring a tax deduction up-front? If so, a Roth IRA might be a smart choice.

Key details:

  • Contributions can be made regardless of age with W-2 earned income.
  • No required minimum distribution at the age of 72.
  • Annual contribution limit of $6,000, with an additional $1,000 for those age 50 and older.

Simple IRAs

Are you a business owner looking for a cost-effective way to offer retirement accounts to your employees? Consider the Savings Incentive Match Plan for Employees (SIMPLE) IRA, which allows employers to match a percentage of an employee's total compensation if the employee makes salary deduction contributions. This option is less paperwork and costs less than a traditional 401(k).

Key details:

  • Employers must have 100 or fewer employees.
  • Employers may contribute on behalf of the employee.


Are you self-employed and looking for a way to make IRA contributions? Consider a Simplified Employee Pension (SEP) IRA, set up by employer-only contributions but still allows self-employed individuals to contribute.

Key details:

  • Simple and easy setup.
  • Tax deferral until withdrawn.
  • Employers are not required to contribute every year.

Please consult your tax advisor regarding deductibility and eligibility.

Our Bankers are ready and eager to assist you in achieving your financial goals, so visit any of our locations today to start your retirement savings journey today!

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Health Savings Accounts (HSAs)

Are you looking for a convenient and tax-advantaged way to pay for qualified medical expenses for you or your family? A Health Savings Account (HSA) may be what you need.

Key Details:

  • Earn interest that compounds over time
  • Tax-deductible contributions*
  • Convenient, tax-free withdrawals by check or debit card for qualified medical expenses
  • No “use it or lose it” requirement like most flex benefit plans
  • Keep your contributions if you change jobs or retire

Our Bankers are here to help you set up your HSA and start enjoying the benefits of this powerful financial tool.

Inquire Now Find a Local Branch FSB Rates

*Please consult your tax advisor regarding eligibility.


Everyday saving has never been this easy.

Personal Savings

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