Mother holding her son while thinking about First State Bank's CD Specials

Fall bounty: Fast-growing CDs

Harvest quick financial gains. Earn 4.10% APY on minimum deposits starting at $5,000.

First-time home buyers, this one’s for you.

Get the mortgage rate and support you need to get into the home you’ve worked so hard to own.

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Checking, savings, and service with a smile.

DIY or let us help you open a checking account or apply for a mortgage.

People first. That’s us and always will be.

A mortgage for your first home. A small business startup loan. A trusted financial advocate. Tell us what you need, and we’ll throw our support behind you 100%. That’s the local community bank advantage.

Our Mission and Vision for your future.

Through genuine relationships, expert guidance, and a deep commitment to reinvesting in our community, we help you navigate financial milestones with confidence—because when you succeed, we all do.

We promise to never lose sight of our purpose—serving people, strengthening communities, and ensuring prosperity for future generations.

Take it from these good people.

Looking for a local bank? See what our customers have to say.

Dr. Aaron Mohr, O’Fallon Pain Relief Associates

Thanks to First State Bank, I was able to purchase my 1st commercial property. They used the Missouri First program combined with the SBA 504 loan program which had low interest rates and only required a 10% down payment from me. I would not own my building today if it were not for First State Bank and the programs mentioned above. They were able to secure the financing and get the job done, where other banks could not. Their level of care combined with their competency makes them unmatched in their industry. They simply are THE BEST!

Mary Clark, Masterclock, Inc.

First State Bank has played an important role in the growth and success of Masterclock as a global leader in the timing industry. From business checking, lines of credit, and Missouri’s liked deposit program to employee HSA accounts, FSB has always offered outstanding service for our company and employees. FSB’s business online makes managing various accounts a seamless process. As a local manufacturer, woman-owned, small business and an exporter worldwide, Masterclock continues to bank on First State Bank.

Kim S.

I knew that I was a good financial risk, but because of some past errors, my credit rating didn’t show that. Mark was able to navigate me through the options and give professional advice on how to best manage the situation. I had been to another mortgage lender and they didn’t offer any real advice on how to tackle my issue. Mark looked at the whole picture, explained what he could and couldn’t do, walked me through the confusing mortgage world and what ratings companies are looking for to increase a rating. His experienced advice was invaluable.

Austin and Ali W.

Everyone knows us when we walk in; we feel very welcome and understood. If it wasn’t for First State Bank, I would not have had the means to start my business. We always tell friends and family to choose First State Bank because of the small town feel, friendly staff, and because of the opportunity they gave us.

Barbara E.

My parents banked with First State forever. When I took over their finances as they aged, I was impressed with the service and efficiency, the friendly staff, and the extra care, all of which convinced me to bank here also. They provide all services with efficiency above and beyond expectations. It’s actually a pleasant experience to bank here rather than a chore. I recently had an issue that necessitated closing one account and opening another…the staff took care of it all without a hitch. They were so reassuring, efficient, and congenial that all stress was whisked away.

Bob Strate, Callier & Thompson Kitchens, Baths, Appliances

First State Bank has been wonderful to work with in regards to all of our business banking needs. Lou works extremely hard for us and will go the extra mile to grow our banking relationship.

Matt S.

I have never met a mortgage lender that works as hard as Matt Maassen. Day, night, weekend, or weekday, he’ll always answer his phone. He is always there for you. We had nightmare housing scenario turn into a dream, all because of Matt. We are truly blessed.

Matthew E. Kurtz, Kurtz Nursery & Topsoil Supply Co.

First State Bank of St. Charles has allowed us to align our company vision of a tailored customer service experience with a bank of the very same. Thanks to their dedication to create banking, financing, & merchant services that reflect the nature of a seasonal business, we are able to reduce costs and streamline our day-to-day operations. We are very grateful to be working with a bank that is above and beyond committed to the success of its account holders!

Financial literacy resources at your fingertips.

What is a Certificate of Deposit (CD)

Investing in a Certificate of Deposit (CD) could be your ticket to achieving financial growth without the uncertainty of other investments. So how do you secure the optimal CD rates that promise…

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Disclosures

1Visa Zero Fraud Liability Protection provides coverage for unauthorized transactions. Visa Zero Fraud Liability Protection does not apply to ATM transactions or PIN transactions not processed by Visa. Consult your Visa Cardholder Agreement or contact Visa for specific details.

2Cards are issued by Pathward,® N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Mastercard prepaid cards may be used everywhere Debit Mastercard is accepted in the US. No ATM or cash access.