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Hours of Operation
St. Joseph Lobby:
Monday - Thursday
8:30 a.m. -
4:00 p.m.
Friday 8:30 a.m. -6:00 p.m.
Closed Saturday & Sunday
St. Joseph Drive Up:
Monday - Thursday
7:00 a.m. - 6:00 p.m.
Friday 7:00 a.m. - 7:00 p.m.
Saturday 8:00 a.m. - 12:00 noon
ATM OPEN 24/7
St. Stephen Lobby
Monday - Thursday
7:00 am - 4:00 pm
Friday 7:00 am - 6:00 pm
Currently no drive-up in
St. Stephen
WALK UP ATM OPEN 24/7
St. Cloud Lobby
Monday - Thursday
8:30 am - 4:00 pm
Friday 8:30 am - 6:00 pm
Saturday Closed
St. Cloud Drive-up Hours
Monday - Thursday
7:00 am - 6:00 pm
Friday 7:00 am - 7:00 pm
Saturday 8:00 am - 12 noon
ATM OPEN 24/7
Member FDIC
First State Bank
of St. Joseph
is participating in the
FDIC's Transaction Account
Guarantee program. Under
that program, through
June 30, 2010, all
non-interest bearing transaction accounts are fully guaranteed by the FDIC for
the entire amount in the account. Coverage under the Transaction Account
Guarantee Program is in addition to and separate from the coverage available
under the FDIC's general
$250,000
deposit insurance rules.
After June 30, 2010, funds
held in noninterest-bearing
transaction accounts at the
First State Bank
will no longer be guaranteed
in full under the
Transaction Account
Guarantee Program, but
will be insured up to
$250,000 under the FDIC's
general deposit rules.
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Certificate of Deposit Rates
Rates effective as of July 20, 2010.
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$500.00-$9,999.99* |
$10,000.00 and
over* |
| Terms |
Interest Rate |
APY** |
Interest Rate |
APY** |
| 3 Months |
.70% |
.70% |
.80% |
.80% |
| 6 Months |
.90% |
.90% |
1.00% |
1.00% |
| 12 Months |
1.20% |
1.21% |
1.30% |
1.31% |
| 24 Months |
1.60% |
1.61% |
1.70% |
1.71% |
| 36 Months |
1.80% |
1.81% |
1.90% |
1.91% |
| 48 Months |
2.10% |
2.12% |
2.20% |
2.22% |
| 60 Months |
2.30% |
2.32% |
2.40% |
2.42% |
*Minimum to open account and obtain Annual Percentage Yield
**Annual Percentage Yields are based on quarterly compounding.
Penalties for early withdrawal of Certificates of Deposit
| Term |
Forfeiture |
| 3 Months |
1 Months Interest |
| 6 thru 12 Months |
3 Months Interest |
| 13 thru 59 Months |
6 Months Interest |
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