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Rates


Rates effective as of January 21, 2025. Rates subject to change.
 

Personal Checking Accounts

 
 
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

Business Checking Accounts

 
 
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
 


Savings Accounts

 
 
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 Account

 
 
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

 

Individual Retirement Account (IRA)
 Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
6 Month Fixed Rate CD $250 3.60% 3.67% Monthly
12 Month Fixed Rate CD
$250
 3.70% 3.77% Monthly
24 Month Fixed Rate CD
$250
 3.05% 3.10% Monthly
12 Month Variable Rate CD
$250
 1.55% 1.56% Monthly
IRA Variable Rate Jumbo CD
 $100,000
 1.850% 1.86% Monthly
 
 
Certificate of Deposit (CDs)
Certificate Of Deposit Balance Required to Attain Yield Interest Rate Annual Percentage Yield Paid
3 Month CD $500 3.25% 3.30% Monthly
6 Month CD $500 3.60% 3.67% Monthly
12 Month CD $500
3.70%
 3.77% Monthly
24 Month CD $500 3.05% 3.10%
Monthly
36 Month CD $500 3.05% 3.10%
Monthly
48 Month CD $500 3.10% 3.15%
Monthly
60 Month CD $500 3.10% 3.15%
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.