FSB's Banking Rates in Eastern Iowa (Cedar Rapids, Marion, Iowa City, and more)

Rates

FSB's Featured Rates

Find the best rates for your savings and lending needs.

CD Special
5-Month
4.45%
Annual Percentage Yield†

Mortgage Loans
30-Year Fixed
6.125%
Interest Rate†

Auto Loans
as low as
7.50%
Interest Rate†

Home Equity Loans
as low as
7.50%
Interest Rate†

Explore Iowa’s Best Banking Rates

Find the most current rates for various financial products, including savings, loans, and mortgages. Choose a category below to see detailed rate information.

Term APY
5 Months 4.45%
11 Months 4.35%
See FSB Rates for full list of CD offerings.
Annual Percentage Yield (APY) subject to change without notice. Minimum deposit of $1,000.00 required. Existing CD renewals not subject to the special rates at maturity unless specifically requested at maturity. Interest is compounded and paid quarterly. Fees may reduce earnings. Penalty for early withdraw may apply including loss of principal. For current rate information call 319-377-4891. Rate = Interest Rate
Click “Account Disclosures” button for complete terms and conditions.
Fixed Rate Accounts
$1,000.00 – $19,999.99		 APY Rate
1 Month 0.30% 0.30%
3 Months 0.35% 0.35%
6 Months 2.50% 2.48%
12 Months 0.85% 0.85%
24 Months 0.85% 0.85%
36 Months 0.85% 0.85%
48 Months 0.95% 0.95%
60 Months 1.05% 1.05%

Fixed Rate Accounts
$20,000.00 and more		 APY Rate
1 Month 0.30% 0.30%
3 Months 0.35% 0.35%
6 Months 2.50% 2.48%
12 Months 0.85% 0.85%
24 Months 0.85% 0.85%
36 Months 0.85% 0.85%
48 Months 0.95% 0.95%
60 Months 1.05% 1.05%
Annual Percentage Yield (APY) subject to change without notice. Minimum deposit of $1,000.00 required. Existing CD renewals not subject to the special rates at maturity unless specifically requested at maturity. Interest is compounded and paid quarterly. Fees may reduce earnings. Penalty for early withdraw may apply including loss of principal. For current rate information call 319-377-4891. Rate = Interest Rate
Click “Account Disclosures” button for complete terms and conditions.
Account Type Daily Balance APY Rate

Benefit Banking Plus*
$100.00 deposit required to open account

Get Started Online

 $0-999.99 0.05% 0.05%
$1,000.00-19,999.99 0.05% 0.05%
$20,000.00+ 0.10% 0.10%

Business Checking Plus*
This account is limited to sole proprietorship, nonprofits and government entities. Minimum balance to receive interest rate $2,500.00.

Get Started Online

 $0-2,499.99 0.00% 0.00%
$2,500.00-19,999.99 0.05% 0.05%
$20,000.00+ 0.05% 0.05%

Money Market Account*
$1,000.00 deposit required to open account

Get Started Online

 $0-9,999.99 0.20% 0.20%
$10,000.00-49,999.99 0.40% 0.40%
$50,000.00-99,999.99 0.75% 0.75%
$100,000.00-249,999 1.25% 1.24%
$250,000.00+ 1.75% 1.74%

Ultimate Account
$10,000.00 deposit required to open account

Get Started Online

 $0-9,999.99 0.00% 0.00%
$10,000.00-24,999.99 0.20% 0.20%
$25,000.00-49,999.99 0.40% 0.40%
$50,000.00-99,999.99 1.00% 1.00%
$100,000.00-249,999 2.25% 2.23
$250,000.00+ 3.00% 2.97%

Health Savings Account
$100.00 deposit required to open account

Get Started Online

 $0-9,999.99 0.50% 0.50%
$10,000.00-24,999.99 1.50% 1.49%
$25,000.00-49,999.99 2.50% 2.47%
$50,000.00+ 3.00% 2.96%

Regular Savings Account
$50.00 deposit required to open account

Get Started Online

 $0-99.99 0.00% 0.00%
$100.00-999.99 0.05% 0.05%
$1,000.00-19,999.99 0.20% 0.20%
$20,000.00+ 0.40% 0.40%

FSBee Club Savings
$5.00 deposit required to open account

Open an Account at any FSB Branch

 $0-999.99 0.05% 0.05%
$1,000.00-19,999.99 0.20% 0.20%
$20,000.00+ 0.40% 0.40%

Youth Savings
$5.00 deposit required to open account

Open an Account at any FSB Branch

 $0-999.99 0.05% 0.05%
$1,000.00-19,999.99 0.20% 0.20%
$20,000.00 and above 0.40% 0.40%
*Also applies to corresponding Connect Club Accounts.
Rates may vary and are subject to change after account opening.
Fees may reduce earnings on these accounts.
Interest Rates and Annual Percentage Yields are current as of the date of the last rate change. For current rate information, call 319-377-4891.
APY = Annual Percentage Yield
Rate = Interest Rate
Term/Type of Loan Interest Rate† Annual Percentage Rate‡
15-Year Fixed 6.125% 6.333%
30-Year Fixed 6.125% 6.169%
VA 6.125% 6.280%
USDA Call for rates Call for rates
FHA Call for rates Call for rates
IFA IFA rates and income limits can be found on the IFA website
Subject to credit approval. Must be 18 years or older to apply.
†All rates are subject to change without notice. Actual rate may be higher based on credit history, occupancy, LTV and loan type. The rates provided assume the purpose of the loan is to purchase a single family residence that will be used as a primary residence. FSB is not responsible for typographical errors or omissions.
‡APR reflects waiver of an FSB Origination fee. Subject to change without notice.
Rate = Interest Rate
APR = Annual Percentage Rate
 
Call FSB's Mortgage Department at 319-730-6990 for more information.
Fixed Rate Variable Rate1
As low as 7.50% APR As low as 7.50% APR
APR assumes a credit score of 700 or above, a loan amount of $10,000.00, and a loan to value (LTV) of less than 80%.
Contact a Consumer Lender at 319-377-4891 for additional rates and terms.
Subject to credit approval. Must be 18 or older to apply.
Rates are subject to change at any time.
An annual maintenance fee of $15.00 will apply to this account.
Hazard insurance and/or flood insurance may be required.
Closing costs will range from $0 to $2,000, depending on the specifics of your loan, such as loan amount and property location.
APR = Annual Percentage Rate
1The APR for this account may vary. Rates are determined by adding a margin to an index. We use the Prime Rate as published in the Wall Street Journal as the index. The maximum rate that may apply under this account is 15.00%.
 
In the allocation of resources available for loans, primary consideration shall be given to existing or potential customers with economic interest in Farmers State Bank's primary and secondary trade areas. In general, the primary trade area of this bank shall be all of Linn and Johnson County, Iowa, and the secondary trade area shall be the nearest one-half of the contiguous Iowa counties of Buchanan, Iowa, Washington, Muscatine, Cedar, Delaware, Jones, Black Hawk, Dubuque, Scott, and Benton.
Fixed Rate
Interest Rates as low as 7.50%
with an Annual Percentage Rate (APR) of 7.558%
APR assumes a credit score of 700 or above, a loan amount of $10,000.00 and a loan to value of less than 80%.
Contact a Consumer Lender at 319-377-4891 for additional rates and terms.
Must be 18 or older to apply. Subject to credit approval. Rates are subject to change at any time.
Hazard insurance and/or flood insurance may be required.
Closing costs will range from $0 to $2,000, depending on the specifics of your loan, such as loan amount and property location.
APR = Annual Percentage Rate
 
In the allocation of resources available for loans, primary consideration shall be given to existing or potential customers with economic interest in Farmers State Bank's primary and secondary trade areas. In general, the primary trade area of this bank shall be all of Linn County, Iowa, and the secondary trade area shall be the nearest one-half of the contiguous Iowa counties of Buchanan, Iowa, Washington, Muscatine, Cedar, Delaware, Jones, Black Hawk, Dubuque, Scott, and Benton.
Loan Amount Annual Percentage Rate (APR) Monthly Payment*
(Principal & Interest)
$15,000.00 7.50% $301.27
$25,000.00 7.50% $502.11
Payment Example: Based on a 60-month term for the loan amount listed with a credit score of 700+ and a vehicle year of 2021 or newer.
All rates are subject to change without notice. Loan terms up to 72 months available based on age of collateral. Rate may be higher based on credit history. All loan applicants must be at least eighteen (18) years of age. All loans subject to credit approval.
*Payment example based on a 60-month term for the loan amount listed with a credit score of 700+ and a vehicle year of 2021 or newer.

In the allocation of resources available for loans, primary consideration shall be given to existing or potential customers with economic interest in Farmers State Bank's primary and secondary trade areas. In general, the primary trade area of this bank shall be all of Linn and Johnson County, Iowa and the secondary trade area shall be the nearest one-half of the contiguous Iowa counties of Buchanan, Iowa, Washington, Muscatine, Cedar, Delaware, Jones, Black Hawk, Dubuque, Scott, and Benton.

Commercial loans at FSB are tailored to meet unique business needs, so please contact a commercial lender for specific rates.



Find the Right Rate For Your Needs

At FSB, competitive rates are designed to fit your unique financial goals—whether saving, borrowing, or expanding your business. Reach out to the team for guidance and explore how these rates can work for you.

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