Personal

Savings and Investment Accounts

Features
& Benefits
Regular SavingsMoney Market Investment AccountNext Generation SavingsCertificates of Deposit (CDs)3 months to 5 years
Open With...$100$1,000$75$1,000
Earns Interest
Minimum Balance RequirementsLearn More$1,000 balance required to avoid a fee

Learn More
None$1,000
Monthly FeeLearn MoreLearn MoreNoneNone
Requirements to OpenNoneNoneLearn More*None
Free Online Banking
Free Electronic Statements
Free Monthly WithdrawalsTwo FREE per month*Learn MoreTwo FREE per month*Learn More
* Restrictions or additional fees may apply. See account details or contact First State Bank of St. Charles for more information.

Regular Savings Account

Put your money to work for you! Our Savings Account is the easy way to save with confidence.

  • Earn interest on your account balance
  • Interest compounds and is paid quarterly
  • Up to six preauthorized transfers per month
  • Get two free withdrawals per month ($1 fee per each additional withdrawal)
  • Open with $100
  • With $200 minimum balance, you avoid a $4 monthly service charge

Open this account now

Personal Money Market

For those who carry a higher account balance, Money Market Interest may interest you!

  • Earn interest on your account balance
  • With $1,000 minimum balance, you avoid a $10 monthly service charge
  • Interest compounds and is paid monthly
  • Unlimited in-bank withdrawals (Pre-authorized withdrawals, transfers, and third-party checks limited to six per month.)
  • Open with $1,000

Open this account online

Next Generation Savings

Learning to save is an important lesson for children of all ages! Start here with this great beginner account.

  • Available to children under 18 yrs.
  • Earn interest on your account balance
  • Interest compounds and is paid quarterly
  • No monthly service charge or minimum balance requirement
  • Open with $75
  • Limit one account per child
  • Two free withdrawals per month ($1 fee per each additional withdrawal)
Certificate of Deposit (CD)

Want to invest in a secure deposit account? First State Bank offers competitive rates on a variety of CD terms from 3 months to 5 years. Please call us today to hear our up-to-the-minute rates and CD specials.

  • All CDs, including IRAs, can be opened with a minimum balance of $1,000.
  • You will have ten calendar days after maturity of the CD to withdraw funds or make changes without penalty (interest does not accrue in that time frame if not rolled over).
  • Flexible interest payments are available.
  • All of our standard certificates can also be opened as an IRA (Individual Retirement Account). IRA Savings Accounts may be opened with $250.
IRA Accounts

Save for your future now! IRAs are available in either a Certificate of Deposit or an easy monthly savings plan. Earn interest and appreciate the tax benefits of an IRA. Choose a Traditional IRA with possible tax-deductible contributions*, or a Roth IRA which accumulates earnings tax-free. Learn more by visiting any of our convenient locations or call (636) 940-5555. FDIC Insured.

*Dependent on the taxpayer’s income, tax-filing status, and coverage by an employer-sponsored retirement plan.

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636-940-5555
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