First State Bank of St. Charles, Missouri savings, CD and money market rates
First State Bank of St. Charles, Missouri's Regular Savings offers 0.30% APY. That is 0.08 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #1514 of 3121 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1288.
Estimate your earnings·What First State Bank of St. Charles, Missouri actually pays
First State Bank of St. Charles, Missouri at a glance
| Savings | |
|---|---|
| Top savings APY | 0.30% · Regular Savings |
| Minimum to open | $100 · Regular Savings |
| Against the national average | 0.08 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.05% · 7 months · 7-Month CD Special |
| Minimum to open | $5,000 · 7 months CD |
| Against the national average | 2.66 percentage points above the 1.39% FDIC 6-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | 3.50% · Money Market Account Special · needs at least $50,000 |
| Minimum to open | $25,000 · Money Market Account Special |
| Against the national average | 2.87 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 12219 · St. Charles, MO |
|---|---|
| Website | www.fsbfinancial.com |
| Branches | 9 branches in KS, MO |
| Availability | Available in KS, MO |
First State Bank of St. Charles, Missouri savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
IRA
Business
How the rate applies
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
First State Bank of St. Charles, Missouri CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 1.65% | $1,000 | 3-Month CD |
| 4 months | 3.90% | $5,000 | 4-Month CD Special |
| 6 months | 2.40% | $1,000 | 6-Month CD |
| 7 months | 4.05% | $5,000 | 7-Month CD Special |
| 12 months | 3.25% | $1,000 | 12-Month CD |
| 18 months | 3.10% | $1,000 | 18-Month CD |
| 24 months | 3.00% | $1,000 | 24-Month CD |
| IRA CDs | |||
| 3 months | 1.65% | $1,000 | 3-Month IRA CD |
| 6 months | 2.40% | $1,000 | 6-Month IRA CD |
| 12 months | 3.25% | $1,000 | 12-Month IRA CD |
| 18 months | 3.10% | $1,000 | 18-Month IRA CD |
| 24 months | 3.00% | $1,000 | 24-Month IRA CD |
Interactive Tool
Calculate Savings for First State Bank of St. Charles, Missouri
All calculations are based on APY.
Tiered rates: 0.50% to 1.05% APY across 4 balance tiers.
Savings Breakdown
- Interest Earned+$317.10(2.2%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,317.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What First State Bank of St. Charles, Missouri pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, First State Bank of St. Charles, Missouri paid a higher average rate on savings and money market deposits than 75% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- First State Bank of St. Charles, Missouri, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Health Savings Account | Up to 1.05% | $100 | $0 | None | not stated | not stated | Tiered | |
| Regular Savings | 0.30% | $100 | $0 | None | not stated | not stated | One rate | |
| Next Generation Savings | 0.30% | $75 | $0 | None | not stated | not stated | One rate | |
| Money Market Account Special | 3.50% | $25,000 | $25,000 | None | not stated | not stated | Tiered | |
| Fine print: The opening deposit must be transferred from another bank. | ||||||||
| Personal Money Market | Up to 0.85% | $1,000 | $0 | None | not stated | not stated | Tiered | |
| IRA | ||||||||
| IRA Savings | 0.70% | $100 | $0 | None | not stated | not stated | One rate | |
| Business | ||||||||
| Business Money Market | Up to 0.85% | $1,000 | $0 | None | not stated | not stated | Tiered | |
| Corporate Savings | 0.30% | $100 | $0 | None | not stated | not stated | One rate | |
Fine print for 2 products above: Two withdrawals each month are free. Each additional withdrawal costs $1.00.
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 3-Month CD | 3 months | 1.65% | $1,000 | not stated | not stated |
| 4-Month CD Special | 4 months | 3.90% | $5,000 | not stated | not stated |
| 6-Month CD | 6 months | 2.40% | $1,000 | not stated | not stated |
| 7-Month CD Special | 7 months | 4.05% | $5,000 | not stated | not stated |
| 12-Month CD | 12 months | 3.25% | $1,000 | not stated | not stated |
| 18-Month CD | 18 months | 3.10% | $1,000 | not stated | not stated |
| 24-Month CD | 24 months | 3.00% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 3-Month IRA CD | 3 months | 1.65% | $1,000 | not stated | not stated |
| 6-Month IRA CD | 6 months | 2.40% | $1,000 | not stated | not stated |
| 12-Month IRA CD | 12 months | 3.25% | $1,000 | not stated | not stated |
| 18-Month IRA CD | 18 months | 3.10% | $1,000 | not stated | not stated |
| 24-Month IRA CD | 24 months | 3.00% | $1,000 | not stated | not stated |
Fine print for 2 CDs above: This special is not available with an IRA.
Opening and using the account
| Availability | Available in KS, MO |
|---|---|
| Footprint | 9 branches in KS, MO |
| Eligibility | not stated |
How First State Bank of St. Charles, Missouri behaves over time
Every observation of the advertised Regular Savings rate in the last 12 months was 0.30% (observed through Oct 14, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 15, 20264-Month CD SpecialRaise:3.80%to3.90%
- Obs. Sep 15, 20267-Month CD SpecialRaise:3.90%to4.05%
- Regular Savings
- The same as 30 days ago.
- 7 months CD
- Up 0.15 percentage points from 30 days ago.
- Money Market Account Special
- The same as 30 days ago.
$10,000 at the 0.30% APY First State Bank of St. Charles, Missouri advertises on Regular Savings grows to $10,030 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,668 does today. See how the federal funds rate shapes savings rates.
First State Bank of St. Charles, Missouri CD rates over time
Who is First State Bank of St. Charles, Missouri?
| Headquarters | St. Charles, MO |
|---|---|
| Founded | 1867 |
| Scale | $535M assets · $401M deposits, $288M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 12219 |
| Charter state | Missouri · one of 194 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,824th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 14% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What First State Bank of St. Charles, Missouri pays on deposits above.
Common questions about First State Bank of St. Charles, Missouri
Is First State Bank of St. Charles, Missouri FDIC insured?
Yes. First State Bank of St. Charles, Missouri is FDIC insured under certificate 12219, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at First State Bank of St. Charles, Missouri?
First State Bank of St. Charles, Missouri requires a minimum deposit of $100 to open its Regular Savings account, as observed on Oct 14, 2026. Check the bank's current terms before you open an account.
Does First State Bank of St. Charles, Missouri have branches?
Yes. First State Bank of St. Charles, Missouri operates 9 branches according to FDIC branch records, in addition to its website and mobile apps.
First State Bank of St. Charles, Missouri against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| First State Bank of St. Charles, Missouri | 0.30% | 2.16% | $100 | 9 branches in KS, MO |
| Access Bank | 0.30% | 2.75% | $100 | 6 branches in NE |
| Ambler Savings Bank | 0.30% | 1.59% | $50 | 7 branches in PA |
| Artisans' Bank | Up to0.30% | 0.91% | $1,000 | 13 branches in DE |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to First State Bank of St. Charles, Missouri's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Missouri, nearest to First State Bank of St. Charles, Missouri in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Missouri, money market rates in Missouri, banks in Missouri, and savings rates in Kansas.