First State Community Bank is a community bank located in southeast Missouri.  First State Community Bank has been a locally owned, community bank and a Farmington landmark since its grand opening as First State Bank of Farmington on May 9, 1954.  The bank has grown to become the second largest banking corporation headquartered in southeast Missouri.

First State Community Bank has been FDIC insured since its founding in 1954.  The bank is chartered as a Federal Reserve Non-member and the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank has assets of approximately $929,361,000 and at the end of the third quarter of 2008; the bank had net income of $7,755,000. At that same time, the bank had non current loans as a percentage of total loans and leases of only 0.45%.

First State Community Bank tries to serve all its customers financial needs, from free checking to home loans, individual retirement accounts to business loans, safe deposit boxes to money market accounts and everything in between.

First State Community Bank has a variety of deposit accounts for individuals including checking Accounts (free, premier, premier plus, regular, SuperNOW, Horizons club, conservator and not-for-profit); money market accounts; savings accounts (regular, minor, junior savers club, junior savers + club, not-for-profit and Christmas club); certificates of deposit (CD); and Individual Retirement Accounts (IRA). In addition to the above, the bank now offers Health Savings Accounts.

For businesses, the bank offers express business checking, small business accounts and account analysis.  All businesses may also open money market accounts.  Other deposit accounts are dependent upon the legal ownership classification of the business.

Current CD promotions include the following rates and terms.

 7 – 31 day certificate of deposit earns an interest rate of 1.26% APY
32 – 90 day certificate of deposit also has an interest rate of 1.26% APY
91 day certificate of deposit rate is 1.26% APY
6 month certificate of deposit yields an interest rate of 1.86% APY
1 Year +1 certificate of deposit earns an interest rate of 2.07% APY
18 month certificate of deposit rate is also set at 2.07% APY
2 year certificate of deposit yields an interest rate of 2.52% APY
30 month certificate of deposit rate is 2.52% APY
3 year certificate of deposit interest rate is 3.19% APY
4 year certificate of deposit has an interest rate of 3.55% APY
5 year certificate of deposit rate is 3.80% APY

Bank CD rates are subject to change and additional conditions may apply to open these CD accounts.  For more bank rate information and more account details contact a bank representative at 573-756-4547.  Bank CD rates and more rate information is also located on the bank website at www.fscb.com.

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