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Savings, Money Market, & CD Options

What type of personal account are you looking for today?


What is the most important feature when determining a savings account?

FeesMinimum Balance to OpenInterest

What is your minimum balance to open?


Are you a student age 24 or younger or a senior age 55 or better?



Would you like to Start Over?

Early Planning Creates Greater Savings for the Future!

At First State Bank and Trust, we believe in offering savings options to help our customers maintain a smart savings plan for the future. In addition to our traditional savings options, we also offer our exclusive Swipe Savings…one of the latest and coolest ways to save, everyday! So, no matter how much you have to save or how often, let us work with you to start and sustain the ideal savings plan for YOUR future!


We've got the Product for you!

First Choice Money Market

First Choice Money Market provides customers with the opportunity to earn interest on higher balances with limited but easy access to funds when needed.

First Connection Savings

First Connection Savings is our popular relationship-based savings account that eliminates the quarterly balance requirement for our First Connection checking customers. Or, you can choose to maintain a balance of $15,000 and your fee will be waived as well. Don’t forget to add Swipe Savings and start saving your “change” with every swipe of your debit card!

First Basic Savings

First Basic Savings is a great starter savings account. It offers no quarterly service fee on balances as low as $100 for anyone up to the age of 18 or over 55. Don’t forget to add Swipe Savings and start saving your “change” with every swipe of your debit card!

Christmas Club

Christmas Club account is our traditional option to save for holiday expenses. Interest is accrued and credited annually in October when the funds are available.

Health Savings Account

Certificates of Deposit

Certificates of Deposit Options are available for a variety of term lengths and competitive rates to meet our customer’s investment needs.


Checking-Savings Combo joins your checking, savings and convenience services into the ultimate checking-savings combination. By enrolling in Swipe Savings at account opening, we will waive the minimum opening deposits on the checking and savings accounts. Now, you can start a sustainable savings program easily and watch your change grow automatically!

­­­Go Green and Get Some Green with Paperless Statements! We encourage our customers to enroll in Paperless Statements (Digital Banking or Email Statements). They are more secure than paper statements and are easier to organize and store. And, for every Paperless Statement enrollment, we will pay you $5.00*. A win for you, the environment, and information security. The incentive will be deposited into the customer account(s) within 60 days after enrollment.

Safe Deposit Boxes are available at all locations for convenient safe keeping of your valuables and important documents. Each office offers a variety of sizes.