Deposit Rates

CD Specials | Regular CDs | CDs & IRAs | Savings & Money Market Accounts

Rates are accurate as of 10/09/08 and may change at any time.

Certificate of Deposit Rates

CD Specials

Minimum Deposit Required to Open & Obtain APY

Interest Rate

Annual Percentage Yield (1)

7 -12 Month (1)

7 - 12 Month (1) (2)

$500 or more

2.22%

2.25%

$500 or more

2.46%

2.50%

15 Month (1)

$500 or more 2.95% 3.00%
15 Month (1) (2) $500 3.19% 3.25%

(1)  A Higher Yield available with a Checking Account
(2) New Funds - All funds considered to be New Funds cannot have been on deposit at FSB for the previous 30 days

CDs

Minimum Deposit Required to Open & Obtain APY

Interest Rate

Annual Percentage Yield

3 Month

$500.00

1.24%

1.25%

6 Month

$500.00

1.48%

1.50%

Certificate of Deposit and IRA Rates

CDs & IRA Accounts (Traditional & Roth)**

Minimum Deposit Required to Open & Obtain APY

Interest Rate

Annual Percentage Yield

12 Month

$500.00

1.63%

1.65%

18 Month

$500.00

1.78%

1.80%

24 Month

$500.00

1.88%

1.90%

36 Month

$500.00

2.22%

2.25%

48 Month

$500.00

2.46%

2.50%

60 Month

$500.00

2.71%

2.75%

Easy Saver IRA
18 Month (Variable Rate)

$50.00

1.83%

1.85%

**Flexible Terms Available for all Regular CD and IRA Products

Interest Rates and APY's are accurate for date stated.
Fixed Interest Rates Will Be In Effect Until Maturity of Certificate of Deposit or IRA Certificate.

Interest Rates and APY's are rounded to the nearest one-hundredth of one percent.
A penalty may be imposed for early withdrawals.
Fees may reduce earnings.
Variable Rate Accounts- interest rate and APY may change after account opening.

Savings & Money Markets

Account Type

Minimum Deposit Required to Open & Obtain APY

Interest Rate

Annual Percentage Yield

Regular Savings
Statement or Passbook
(Variable Rate)

$50.00

0.59%

0.60%

SuperStar Savings
(Variable Rate)

$0.01

0.59%

0.60%

Holiday Club
(Variable Rate)

$5.00

0.49%

0.50%

Money Market
(Variable Rate)
Minimum Deposit to open is $1000.00
APY Stated for Tier is Calculated on Entire Account Balance

$.00-$2499.99

0.24%

0.25%

$2500.00-$9999.99

0.49%

0.50%

$10,000.00-$24,999.99

1.49%

1.50%

$25,000.00-$49,999.99

1.73%

1.75%

$50,000.00 Or More

1.83%

1.85%