Earn interest and checking account bonus rewards.
Get perks plus no monthly minimum and low fees.
Keep it simple with this low-cost checking account.
Build your balance with no overdraft fees holding you back.
Find the checking account that fits your life.
Enjoy the added benefits of a top-tier account.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Open our basic savings account if you want low (or no) fees.
Give family members under 18 a savings account head start.
Step up your savings with a high-yield money market account.
Got a high-deductible health plan? You're eligible for an HSA.
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Buy a new car, truck, or SUV, or refinance an auto loan.
Finance your adventures on open waters or the open road.
Get behind the wheel of your dream RV at a great rate.
Reduce your rate and increase your borrowing power.
Get the rate and flexible terms. No collateral needed.
Build or rebuild your credit history and your credit score.
Manage your finances whenever, wherever.
Go paperless. Cut clutter and enhance security.
Go cashless with our safe, convenient virtual wallet.
Check your credit score and protect your credit.
Send and receive money the fast, safe, and easy way.
Send and receive wire transfers safely and securely.
Cash management tools, plus credits to offset fees.
Easy interest and operating expense management.
For small to mid-size businesses with low volumes.
Find the account that helps grow your business.
The documents you'll need for your type of business.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Owner-occupied or investment, fixed or variable rates.
Flexible terms with fixed or variable rates.
Flexible terms with amortizations coordinated to the equipment's useful life.
Provides working capital for growing businesses.
Longer terms and low fixed rates for Missouri-based businesses.
Long-term, fixed-asset loans for land, building, and/or equipment.
Experts to help customize your loan for your unique needs.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Checking with perks or just the basics.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Put your financial wellness first with options from basic to health savings accounts.
Invest in your future with a safe, secure CD or IRA. Lock it in and let it grow.
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Auto loans to credit builder loans–borrow with confidence from your local bank.
Rewards, cash back, cash-secured—find what you want in a credit card right here.
Grab cash or pay with a swipe or tap from your checking or savings account.
Bank online or on the go—free e-statements and digital wallet included.
Partner with a local bank that's invested in a lifetime of financial wellness.
Power save with our limited-time money market and CD special offers.
Low fees and minimums, high degrees of automated banking.
Make your funds work harder to meet your short-term needs.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Cash back, rewards—and more of what you want in a business credit card.
Grab cash or cover everyday expenses, everywhere Visa® is accepted.
Experience the latest point-of-sale system with Clover from Fiserv.
Start-up funds, working capital or financing for expansion, serviced in house.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Bank anywhere—all the essential money management tools included.
Partner with a local bank that's invested in a lifetime of financial wellness.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Power save with our limited-time money market and CD special offers.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Partner with our expert business lenders for a personalized experience.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Home loans serviced in-house with the one-on-one attention you deserve.
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Take an expert guide on your homeownership journey.
Calculators and an in-depth glossary to keep you informed.
Ready to make an offer? So are we. See what's new.
Find a banking or mortgage center near you.
Email, call, or pay us a visit. We'd love to see you.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Take a trip down memory lane all the way back to 1867.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Learn about our commitment to community support.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Pursue a career with purpose, possibility, and people who care.
Make a safe and secure investment in your future, whether it’s three months or three decades away.
Invest securely with a CD from First State Bank of St. Charles. We offer competitive certificate of deposit rates on a variety of terms from 3 months to 2 years.2
Rates for Certificates of Deposit
Effective Date: 11/13/2025
D The Annual Percentage Yield (APY) for Certificates of Deposit assumes interest will remain on the deposit before maturity. A withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.
Make monthly pre-tax contributions that reduce your taxable income for a year. Choose an FDIC-insured Roth or Traditional IRA. Grow your IRA plan with a fixed-term, fixed-interest IRA CD.
Traditional IRA
Roth IRA
Rates for Individual Retirement Account Certificates of Deposit
Effective Date: 11/13/2025
E The Annual Percentage Yield (APY) for Certificates of Deposit assumes interest will remain on the deposit before maturity. A withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.
F Early withdrawals prior to 59 ½ years of age are subject to the IRS 10% penalty. Traditional IRAs require income taxes to be paid upon withdrawal. For more information on penalties and penalty exceptions, contact out Customer Care team at (636) 940-5555.
1 Interest rate and Annual Percentage Yield (APY) may change at any time, at our discretion. Service charges may reduce earnings. Interest is calculated using the daily balance method and begins to accrue no later than the business day credit is received for deposit of non-cash items.
2 The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Minimum deposits and balances are required to earn APY and is subject to change at any time. A penalty may be imposed for early withdrawal. CD term options available online may vary. Contact our Customer Care team at 636-940-5555 more information.
3 Interest does not accrue in that timeframe if not rolled over.
4 Dependent on the taxpayer’s income, tax-filing status, and coverage by an employer-sponsored retirement plan. Consult a tax advisor for more information.
5 If your balance falls below $250 on any day of the month, your account will be subject to a $5 service charge for that month.
First State Mortgage is a division of First State Bank of St. Charles, MO, NMLS ID: 416668. Authorized to lend in all 50 states. This is not a loan commitment or guarantee. All loans are subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply.
