Your Savings Options

Explore Our Savings Solutions

Planning your financial future is easier with the right tools and support. At First State Bank & Trust Co., Inc., we offer tailored savings options to help you reach your goals—whether you're building an emergency fund, preparing for retirement, or saving for something special. With a range of accounts designed to meet your needs, we’re proud to provide local, reliable, and transparent service to help you achieve your financial milestones.

Savings Options at a Glance

Your money. Your future. Your bank.

For more than 90 years, we’ve proudly supported Southeast Missouri’s financial journeys, helping individuals and families achieve their goals. Whether you’re building an emergency fund, preparing for retirement with IRAs, exploring competitive CD rates, or simply looking for an online bank account, First State Bank & Trust Co., Inc. is here to help. We combine the trusted service you deserve with the convenience of digital banking, making it easy to manage your savings anytime, anywhere.

Start building your financial success today.

Your money. Your future. Your bank.

We offer a variety of account options to help you reach your financial goals.

money market demand account

Enhance your earning power.

Interest rates are tiered and will be compounded monthly and credited to your account on a monthly basis
$2,500 minimum balance
Online account access

Statement savings

Save for future expenses or build an emergency fund.

Interest rates will be compounded monthly and credited to your account on a monthly basis
$100 minimum balance
Online account access

Christmas Club

Reduce holiday stress by saving all year.

Interest rates will be compounded monthly and credited to your account on a monthly basis
Funds are dispersed in October of each year
$5 minimum balance

individual retirement account

An Individual Retirement Account (IRA) is a great way to save money and supplement your retirement income.

Gain tax advantages now and later
Available to any person with earned income
Opened in the form of a CD account

certificate of deposit

Earn interest on money you plan on keeping tucked away. We offer a variety of CDs based on the length of time you prefer.

health savings account (hsa)

A tax-exempt trust or custodial account for the purpose of paying or reimbursing qualified medical expenses for you, your spouse and eligible dependents.