Rates

Rates effective as of: August 4, 2022
Rates subject to change.
For Certificate of Deposit Rates, please visit any branch. Please see bank representative for full details.

Friendship Advantage Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
Tier 1 balance $0.01 - $24,999.99 0.050% 0.050% Monthly
Tier 2 balance $25,000 - and up 0.100% 0.100% Monthly

Secure-ID Checking Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
Tier 1 balance $100 - $9,999 0.050% 0.050% Monthly
Tier 2 balance $10,000 - $24,999 0.150% 0.150% Monthly
Tier 3 balance $25,000 and up 0.250% 0.250% Monthly

Business Premier Advantage Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
Tier 1 balance $0.01 - $9,999 0.100% 0.100% Monthly
Tier 2 balance $10,000 - $99,999 0.150% 0.150% Monthly
Tier 3 balance $100,000 + 0.250% 0.250% Monthly

Community Checking Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
See Branch for Info $0.00 See Branch for Info See Branch for Info Monthly

Passbook Savings Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
See Branch for Info $100 0.050% 0.050% Quarterly

Kid$ave Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
See Branch for Info $0.01 0.250% 0.250% Quarterly

Christmas Club Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
See Branch for Info $25 0.150% 0.150% Quarterly

Money Market Advantage Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
Tier 1 balance $0.01 - $24,999 0.100% 0.100% Monthly
Tier 2 balance $25,000 - $49,999 0.150% 0.150% Monthly
Tier 3 balance $50,000 - $99,999 0.150% 0.150% Monthly
Tier 4 balance  $100,000 - $199,999 0.200% 0.200% Monthly
Tier 5 balance $200,000 - and up 0.350% 0.350% Monthly

Health Savings Account Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
HSA $250 0.500% 0.50% Monthly

Individual Retirement Account (IRA)
Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
12 Month IRA Certificate of Deposit $250 1.01% 1.01% Monthly

Certificate Of Deposit Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
3 Month CD $500 .15% .15% Monthly
6 Month CD $500 .25% .25% Monthly
12 Month CD $500 .35% .35% Monthly
24 Month CD $500 .50% .50%
Monthly
36 Month CD $500 .50% .50%
Monthly
48 Month CD $500 .60% .60%
Monthly
60 Month CD $500 .75% .75%
Monthly
13 Month CD Special $500 1.25% 1.25%
Monthly
16 Month CD Special $500 1.45% 1.45%
Monthly
NOTE: Fees may reduce earnings
 
1. Your interest rate on Certificates of Deposit are fixed rates. On "Deposit Accounts" our rate and annual percentage yield may change, at our discretion, at any time. Interest on checking and money market accounts is compounded and credit to your account quarterly on the quarterly statement cycle date. If you close your account before interest is credited, you will not receive the accrued interest. Fees could have an effect on reducing earnings on your account. 
 
2. The range your daily balance falls within your tiered account determines the interest rate and annual percentage yield paid on your entire account balance. 
 
3. Annual percentage yield (APY) assumes that interest in compounded and credited to your account and remains on deposit until maturity. A withdrawal of interest prior to maturity will reduce earnings. Additional deposits before maturity are not permitted except with the IRA CD. Substantial penalty for early withdrawal. Please refer to your CD for additional terms and conditions that may apply. 
 
Interest rates are determined at the sole discretion of The Friendship State Bank and are subject to change. A copy of The Friendship State Bank terms and conditions is available upon request. Rates are accurate as of the date shown. Please contact any of our offices for current rate information.