Online Banking

Log In

Error, press "Log In" to continue.

Log In

Error, press "Log In" to continue.

Rates

 
Fixed Deposits | Variable DepositMortgageHome Loans & LinesAutoCommercial

Fixed Deposit Rates

Effective April 13, 2024

CD Specials

TermAPY

11 Months

4.90%

19 Months

4.60%

Get Started with FSB 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.

CDs & IRAs

Fixed Rate Accounts
$1,000.00 – $19,999.99
APYRate

1 Month

0.30%

0.30%

3 Months

0.35%

0.35%

6 Months

2.50%

2.48%

12 Months

0.85%

0.85%

24 Months

0.85%

0.85%

36 Months

0.85%

0.85%

48 Months

0.95%

0.95%

60 Months

1.05%

1.05%

Fixed Rate Accounts
$20,000.00 and more
APYRate

1 Month

0.30%

0.30%

3 Months

0.35%

0.35%

6 Months

2.50%

2.48%

12 Months

0.85%

0.85%

24 Months

0.85%

0.85%

36 Months

0.85%

0.85%

48 Months

0.95%

0.95%

60 Months

1.05%

1.05%

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.

Get Started with FSB Account Disclosures Learn More about CDs

Variable Deposit Rates

Effective April 13, 2024

Account Options

Account TypeDaily BalanceAPYRate

Benefit Banking Plus*

$100.00 deposit required to open account

$0-999.99

0.05%

0.05%

$1,000.00-19,999.99

0.05%

0.05%

$20,000.00 and above

0.10%

0.10%

Business Plus Checking*

This account is limited to sole proprietorship, nonprofits and government entities. Minimum balance to receive interest rate $2,500.00.

$0-2,499.99

0.00%

0.00%

$2,500.00-19,999.99

0.05%

0.05%

$20,000.00 and above

0.05%

0.05%

Money Market Account*

$1,000.00 deposit required to open account

$0-9,999.99

0.20%

0.20%

$10,000.00-49,999.99

0.40%

0.40%

$50,000.00-99,999.99

0.75%

0.75%

$100,000.00-249,999

1.25%

1.24%

$250,000.00 and above

1.75%

1.74%

Ultimate Account

$10,000.00 deposit required to open account

$0-9,999.99

0.00%

0.00%

$10,000.00-24,999.99

0.20%

0.20%

$25,000.00-49,999.99

0.40%

0.40%

$50,000.00-99,999.99

1.00%

1.00%

$100,000.00-249,999

2.25%

2.23

$250,000.00 and above

3.00%

2.97%

Health Savings Account

$100.00 deposit required to open account

$0-9,999.99

0.50%

0.50%

$10,000.00-24,999.99

1.50%

1.49%

$25,000.00-49,999.99

2.50%

2.47%

$50,000.00 and above

3.00%

2.96%

Regular Savings Account

$50.00 deposit required to open account

$0-99.99

0.00%

0.00%

$100.00-999.99

0.05%

0.05%

$1,000.00-19,999.99

0.20%

0.20%

$20,000.00 and above

0.40%

0.40%

FSBee Club Savings

$5.00 deposit required to open account

$0-999.99

0.05%

0.05%

$1,000.00-19,999.99

0.20%

0.20%

$20,000.00 and above

0.40%

0.40%

Youth Savings

$5.00 deposit required to open account

$0-999.99

0.05%

0.05%

$1,000.00-19,999.99

0.20%

0.20%

$20,000.00 and above

0.40%

0.40%

*Also applies to corresponding Connect Club Accounts.
Rates may vary and are subject to change after account opening.
Fees may reduce earnings on these accounts.
Interest Rates and Annual Percentage Yields are current as of date of last rate change. For current rate information call 319-377-4891.
APY = Annual Percentage Yield
Rate = Interest Rate

Account Disclosures

Fixed Mortgage Rates

Today’s Featured Purchase Rates

Term/Type Loan Options

term/type of loanINTEREST RATEANNUAL PERCENTAGE RATEnumber of monthly paymentspayment per $1,000 borrowed*

15-Year Fixed

6.250% 6.310% 180 $8.57

30-Year Fixed

6.625% 6.664%  360 $6.40

VA

6.250% 6.292% 360  $6.16

USDA

Call for rates Call for rates 360  Call for rates
FHA Call for rates Call for rates  360 Call for rates
IFA IFA rates and income limits can be found on the IFA website

Rate = Interest Rate
APR = Annual Percentage Rate

Apply Today Learn More

All rates are subject to change without notice. Actual rate may be higher based on credit history, occupancy, LTV and loan type. The rates provided assume the purpose of the loan is to purchase a single family residence that will be used as a primary residence. FSB is not responsible for typographical errors or omissions.
APR reflects waiver of an FSB Origination fee. Subject to change without notice.
*Amount with a loan amount of $120,000 and a purchase price/property value of $130,000. In addition, the rate is based on a 30 day lock, a credit score of 740, an escrow account, and qualifying for Fannie Mae’s Homeready program. Payments calculated do not include amount for taxes, insurance, and PMI premiums.

Call For More Information 319-730-6990.

Consumer Loan Rates

For Interest Rate Information on other types of consumer loans not listed here, please contact a Consumer Lender at 319-377-4891.

Effective April 1, 2024

Home Equity Line of Credit (HELOC)

Fixed RateVariable Rate

As low as 8.00% APR
APR = Annual Percentage Rate

As low as 8.50% APR

APR assumes a credit score of 700 or above, a loan amount of $10,000.00 and a loan to value (LTV) of less than 80%

APR assumes a credit score of 700 or above, a loan amount of $10,000.00 and a loan to value (LTV) of less than 80%


The APR for this account may vary. Rates are determined by adding a margin to an index. We use the Prime Rate as published in the Wall Street Journal as the index. The maximum rate that may apply under this account is 15.00%.

  • Contact a Consumer Lender at 319-377-4891 for additional rates and terms.
  • Subject to credit approval.
  • Must be 18 or older to apply.
  • Rates are subject to change at any time.
  • An annual maintenance fee of $15.00 will apply to this account.
  • Hazard insurance and/or flood insurance may be required.
  • Closing costs will range from $0 to $2,000, depending on the specifics of your loan such as loan amount and property location.

Home Equity Loans

Fixed Rate

Interest Rates As low as 8.00%
with an Annual Percentage Rate (APR) of 8.074%

APR assumes a credit score of 700 or above, a loan amount of $10,000.00 and a loan to value of less than 80%

  • Must be 18 or older to apply.
  • Contact a Consumer Lender at 319-377-4891 for additional rates and terms.
  • Subject to credit approval.
  • Rates are subject to change at any time.

In the allocation of resources available for loans, primary consideration shall be given to existing or potential customers with economic interest in Farmers State Bank's primary and secondary trade areas. In general, the primary trade area of this bank shall be all of Linn County, Iowa and the secondary trade area shall be the nearest one-half of the contiguous Iowa counties of Buchanan, Iowa, Washington, Muscatine, Cedar, Delaware, Jones, Black Hawk, Dubuque, Scott, and Benton.

Auto Rates

Effective April 1, 2024

Includes Automobiles, Boats, and RVs and Motorcycles

Loan AmountAnnual Percentage Rate (APR)Monthly Payment*
(Principal & Interest)

$15,000.00

7.95%

$262.70

  • Loan terms up to 72 months available based on age of collateral.
  • Rate may be higher based on credit history.
  • All loan applicants must be at least eighteen (18) years of age.
  • All loans subject to credit approval.

*Payment example based on 72-month term for a loan amount of $15,000.00 and a credit score of 700+.

For additional rates and terms, contact a FSB Personal Banker at 319-377-4891.

In the allocation of resources available for loans, primary consideration shall be given to existing or potential customers with economic interest in Farmers State Bank's primary and secondary trade areas. In general, the primary trade area of this bank shall be all of Linn County, Iowa and the secondary trade area shall be the nearest one-half of the contiguous Iowa counties of Buchanan, Iowa, Washington, Muscatine, Cedar, Delaware, Jones, Black Hawk, Dubuque, Scott, and Benton.

Commercial Rates

Because our commercial loans are tailored to your unique business needs, we ask that you contact a commercial lender for specific rates.

Meet Your Lenders Inquire about Business Financing

Expand toolbar

Chat
Back to Top