☰

Home›
Banks›
First State Bank (MI)

iAdvertiser Disclosure

First State Bank (MI) Rates & Review November 2026

Q: What are the current interest rates at First State Bank (MI)?

Current rates for First State Bank (MI) include: 12-Month CD: 3.40%, 18-Month CD: 0.05%, 24-Month CD: 0.05%, 36-Month CD: 0.05%, 48-Month CD: 0.05%, 60-Month CD: 0.05%, Savings: 0.10%, MMA: 4.00%

Q: What CD terms does First State Bank (MI) offer?

First State Bank (MI) CD rates are 4.15% APY for a 4 month CD, 3.30% APY for a 6 month CD, 4.10% APY for a 7 month CD, 3.40% APY for a 12 month CD, 4.20% APY for a 13 month CD, 0.05% APY for an 18 month CD, 0.05% APY for a 2 year CD, 0.05% APY for a 3 year CD, 0.05% APY for a 4 year CD and 0.05% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First State Bank (MI) for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

First State Bank (MI)'s 13-Months Fixed Rate CD - 13 Mth rates are at 4.20%, 4-Months Fixed Rate CD - 4 Mth rates are at 4.15%, 7-Months Fixed Rate CD - 7 Mth rates are at 4.10%, 12-Months Fixed Rate CD - 12 Mth rates are at 3.40%, 6-Months Fixed Rate CD - 6 Mth rates are at 3.30%. First State Bank (MI)'s savings rates are at 0.10%. First State Bank (MI)'s money market rates are at 4.00%. First State Bank (MI)'s checking rates are as high as 0.05%. First State Bank (MI)'s Fixed Rate Mortgage - 15 Year rates are at 6.99%, Fixed Rate Mortgage - 10 Year rates are at 7.00%, Fixed Rate Mortgage - 30 Year rates are at 7.375%, Fixed Rate Mortgage - 20 Year rates are at 7.625%. First State Bank (MI)'s Auto Loan Rates are as low as 6.69%. First State Bank (MI)'s top CD rate of 4.20% APY on a 13 month CD is 39% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of First State Bank (MI) with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.84%. Rates last updated and verified on 11/05/2026.

First State Bank (MI) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First State Bank (MI)? Share your experience about First State Bank (MI) by leaving a review below, or read customer reviews before you decide to use First State Bank (MI).

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.84%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

First State Bank

16100 E 9 Mile Rd
Eastpointe, MI 48021

https://www.fsb.bank

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First State Bank (MI) CD Rates

Product	Rate	APY	Term
Fixed Rate CD - 13 Mth	4.13%	4.20%	13 months
Min Balance $10,000 Details Balance: $10,000; Footnote: *** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 13 Mth	4.13%	4.20%	13 months
Min Balance $25,000 Details Balance: $25,000; Footnote: *** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 13 Mth	4.13%	4.20%	13 months
Min Balance $50,000 Details Balance: $50,000; Footnote: *** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 13 Mth	4.13%	4.20%	13 months
Min Balance $75,000 Details Balance: $75,000; Footnote: *** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 4 Mth	4.09%	4.15%	4 months
Min Balance $10,000 Details Balance: $10,000; Footnote: **; $10,000 minimum to open (new money only) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 4 Mth	4.09%	4.15%	4 months
Min Balance $25,000 Details Balance: $25,000; Footnote: **; $10,000 minimum to open (new money only) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 4 Mth	4.09%	4.15%	4 months
Min Balance $50,000 Details Balance: $50,000; Footnote: **; $10,000 minimum to open (new money only) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 4 Mth	4.09%	4.15%	4 months
Min Balance $75,000 Details Balance: $75,000; Footnote: **; $10,000 minimum to open (new money only) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 7 Mth	4.07%	4.10%	7 months
Min Balance $10,000 Details Balance: $10,000; Footnote: *** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 7 Mth	4.07%	4.10%	7 months
Min Balance $25,000 Details Balance: $25,000; Footnote: *** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 7 Mth	4.07%	4.10%	7 months
Min Balance $50,000 Details Balance: $50,000; Footnote: *** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 7 Mth	4.07%	4.10%	7 months
Min Balance $75,000 Details Balance: $75,000; Footnote: *** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 1-Year	4.038%	4.10%	1 Year
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 90 Days	4.04%	4.10%	90 Days
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 150 Days	3.91%	3.96%	150 Days
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 120 Days	3.90%	3.95%	120 Days
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 180 Days	3.91%	3.95%	180 Days
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 270 Days	3.93%	3.95%	270 Days
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 13 Mth	3.75%	3.80%	13 months
Min Balance $10,000 Details Balance: $10,000; Footnote: **** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 13 Mth	3.75%	3.80%	13 months
Min Balance $25,000 Details Balance: $25,000; Footnote: **** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 13 Mth	3.75%	3.80%	13 months
Min Balance $50,000 Details Balance: $50,000; Footnote: **** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 13 Mth	3.75%	3.80%	13 months
Min Balance $75,000 Details Balance: $75,000; Footnote: **** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 7 Mth	3.67%	3.70%	7 months
Min Balance $10,000 Details Balance: $10,000; Footnote: **** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 7 Mth	3.67%	3.70%	7 months
Min Balance $25,000 Details Balance: $25,000; Footnote: **** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 7 Mth	3.67%	3.70%	7 months
Min Balance $50,000 Details Balance: $50,000; Footnote: **** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 7 Mth	3.67%	3.70%	7 months
Min Balance $75,000 Details Balance: $75,000; Footnote: **** Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 12 Mth	3.36%	3.40%	12 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 12 Mth	3.36%	3.40%	12 months
Min Balance $10,000 Details Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 12 Mth	3.36%	3.40%	12 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 12 Mth	3.36%	3.40%	12 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 12 Mth	3.36%	3.40%	12 months
Min Balance $75,000 Details Balance: $75,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 30 Days	3.25%	3.33%	30 Days
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.33% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 60 Days	3.25%	3.33%	60 Days
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.33% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 6 Mth	3.27%	3.30%	6 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 6 Mth	3.27%	3.30%	6 months
Min Balance $10,000 Details Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 6 Mth	3.27%	3.30%	6 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 6 Mth	3.27%	3.30%	6 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 6 Mth	3.27%	3.30%	6 months
Min Balance $75,000 Details Balance: $75,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 91 Day	3.26%	3.30%	91 Day
Min Balance $1,000 Details Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 91 Day	3.26%	3.30%	91 Day
Min Balance $10,000 Details Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 91 Day	3.26%	3.30%	91 Day
Min Balance $25,000 Details Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 91 Day	3.26%	3.30%	91 Day
Min Balance $50,000 Details Balance: $50,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 91 Day	3.26%	3.30%	91 Day
Min Balance $75,000 Details Balance: $75,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 7 Days	3.00%	3.07%	7 Days
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 2-Years	2.00%	2.05%	2 Years
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 3-Years	2.00%	2.05%	3 Years
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 4-Years	2.00%	2.05%	4 Years
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Jumbo CD - 5-Years	2.00%	2.05%	5 Years
Details Rates current as of October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
6-Month Easy CD	0.05%	0.05%	6 Month (182 day)
Min Balance $1,000 Details $250; Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
6-Month Easy CD	0.05%	0.05%	6 Month (182 day)
Min Balance $10,000 Details $250; Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
6-Month Easy CD	0.05%	0.05%	6 Month (182 day)
Min Balance $25,000 Details $250; Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
6-Month Easy CD	0.05%	0.05%	6 Month (182 day)
Min Balance $50,000 Details $250; Balance: $50,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
6-Month Easy CD	0.05%	0.05%	6 Month (182 day)
Min Balance $75,000 Details $250; Balance: $75,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 18 Mth	0.05%	0.05%	18 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 18 Mth	0.05%	0.05%	18 months
Min Balance $10,000 Details Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 18 Mth	0.05%	0.05%	18 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 18 Mth	0.05%	0.05%	18 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 18 Mth	0.05%	0.05%	18 months
Min Balance $75,000 Details Balance: $75,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 24 Mth	0.05%	0.05%	24 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 24 Mth	0.05%	0.05%	24 months
Min Balance $10,000 Details Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 24 Mth	0.05%	0.05%	24 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 24 Mth	0.05%	0.05%	24 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 24 Mth	0.05%	0.05%	24 months
Min Balance $75,000 Details Balance: $75,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 30 Day	0.05%	0.05%	30 Day
Min Balance $1,000 Details Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 30 Day	0.05%	0.05%	30 Day
Min Balance $10,000 Details Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 30 Day	0.05%	0.05%	30 Day
Min Balance $25,000 Details Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 30 Day	0.05%	0.05%	30 Day
Min Balance $50,000 Details Balance: $50,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 30 Day	0.05%	0.05%	30 Day
Min Balance $75,000 Details Balance: $75,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 30 Mth	0.05%	0.05%	30 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 30 Mth	0.05%	0.05%	30 months
Min Balance $10,000 Details Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 30 Mth	0.05%	0.05%	30 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 30 Mth	0.05%	0.05%	30 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 30 Mth	0.05%	0.05%	30 months
Min Balance $75,000 Details Balance: $75,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 36 Mth	0.05%	0.05%	36 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 36 Mth	0.05%	0.05%	36 months
Min Balance $10,000 Details Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 36 Mth	0.05%	0.05%	36 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 36 Mth	0.05%	0.05%	36 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 36 Mth	0.05%	0.05%	36 months
Min Balance $75,000 Details Balance: $75,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 48 Mth	0.05%	0.05%	48 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 48 Mth	0.05%	0.05%	48 months
Min Balance $10,000 Details Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 48 Mth	0.05%	0.05%	48 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 48 Mth	0.05%	0.05%	48 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 48 Mth	0.05%	0.05%	48 months
Min Balance $75,000 Details Balance: $75,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 60 Mth	0.05%	0.05%	60 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 60 Mth	0.05%	0.05%	60 months
Min Balance $10,000 Details Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 60 Mth	0.05%	0.05%	60 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 60 Mth	0.05%	0.05%	60 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate CD - 60 Mth	0.05%	0.05%	60 months
Min Balance $75,000 Details Balance: $75,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

First State Bank (MI) Savings Rates

Product	Rate	APY
Holiday Savings Club	0.10%	0.10%
Min Deposit $10 Min Balance $0 Details Balance: $0 - $2,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Health Savings Account	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500-$9,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Health Savings Account	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Health Savings Account	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Health Savings Account	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Health Savings Account	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Holiday Savings Club	0.01%	0.01%
Min Deposit $10 Min Balance $2,001 Details Balance: $2,001 - $9,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Holiday Savings Club	0.01%	0.01%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Holiday Savings Club	0.01%	0.01%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000 + Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Minor Savings	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $9,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Minor Savings	0.01%	0.01%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Minor Savings	0.01%	0.01%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 and over Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Statement Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $9,999; Minimum to open statement savings: $100 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Statement Savings	0.01%	0.01%
Min Balance $10,000 Details Balance: $10,000 - $49,999; Minimum to open statement savings: $100 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Statement Savings	0.01%	0.01%
Min Balance $50,000 Details Balance: $50,000 +; Minimum to open statement savings: $100 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

First State Bank (MI) Business Savings Rates

Product	Rate	APY
Business Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Business Savings	0.01%	0.01%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Business Savings	0.01%	0.01%
Min Balance $50,000 Details Balance: $50,000 + Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

First State Bank (MI) Money Market Rates

Product	Rate	APY
Purpose Money Market Account	3.93%	4.00%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Purpose Money Market Account	3.45%	3.50%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Purpose Money Market Account	2.96%	3.00%
Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Purpose Money Market Account	2.47%	2.50%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Purpose Money Market Account	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

First State Bank (MI) Business Money Market Rates

Product	Rate	APY
Business Money Market	3.93%	4.00%
Min Balance $50,000 Details Balance: $50,000 + Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Business Money Market	3.45%	3.50%
Min Balance $25,000 Details Balance: $25,000 + Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Business Money Market	2.96%	3.00%
Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Business Money Market	2.47%	2.50%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Business Money Market	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

First State Bank (MI) Checking Rates

Product	Rate	APY	View More
Classic Checking	0.01%	0.01%
Min Deposit $50 Min Balance $500 Details Balance: $500 and up; Minimum to open: $50; Rates current as of: October 20, 2026 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

First State Bank (MI) Business Checking Rates

Product	Rate	APY	View More
Business Interest Checking and IOLTAs	0.05%	0.05%
Details Balance: All Balances Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

First State Bank (MI) Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgage - 15 Year	6.99%	-	7.11%	15 Year
Details Rates current as of: November 5, 2026 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.15% → 7.11% ▼ 0.04 pts · high 7.54% / low 7.11% Nov 5, 20267.11%▼ from 7.54% Oct 20, 20267.54%▲ from 7.15% Oct 14, 20267.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate Mortgage - 10 Year	7.00%	-	7.168%	10 Year
Details Rates current as of: November 5, 2026 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.21% → 7.17% ▼ 0.04 pts · high 7.65% / low 7.17% Nov 5, 20267.17%▼ from 7.65% Oct 20, 20267.65%▲ from 7.21% Oct 14, 20267.21%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate Mortgage - 30 Year	7.375%	-	7.453%	30 Year
Details Rates current as of: November 5, 2026 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.47% → 7.45% ▼ 0.02 pts · high 7.86% / low 7.45% Nov 5, 20267.45%▼ from 7.86% Oct 20, 20267.86%▲ from 7.47% Oct 14, 20267.47%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Fixed Rate Mortgage - 20 Year	7.625%	-	7.728%	20 Year
Details Rates current as of: November 5, 2026 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.75% → 7.73% ▼ 0.03 pts · high 8.13% / low 7.73% Nov 5, 20267.73%▼ from 8.13% Oct 20, 20268.13%▲ from 7.75% Oct 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

First State Bank (MI) Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	6.50%	-	6.69%	Max. 60 months
Details Model Year: 2025 or Newer Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.69% APR · checked 15 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Auto Loan	7.00%	-	7.22%	Max. 72 months
Details Model Year: 2025 or Newer Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.22% APR · checked 15 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Auto Loan	7.50%	-	7.76%	Max. 48 months
Details Model Year: 2018 - 2024 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.76% APR · checked 15 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Auto Loan	8.00%	-	8.30%	Max. 60 months
Details Model Year: 2018 - 2024 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 8.30% APR · checked 15 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

First State Bank (MI) RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan	8.25%	8.56%	120 Months
Details Model Year: 2024 or newer; Lowest APR assumes excellent credit history, automatic loan payment from an FSB account, 10% down payment, 120-month term with $150 fee Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 8.56% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Recreational Vehicle Loan	8.75%	9.10%	180 months
Details Model Year: 2024 or newer; Lowest APR assumes excellent credit history, automatic loan payment from an FSB account, 10% down payment, 120-month term with $150 fee Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 9.10% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Recreational Vehicle Loan	9.25%	9.75%	60 Months
Details Model Year: 2017 - 2023; Lowest APR assumes excellent credit history, automatic loan payment from an FSB account, 10% down payment, 120-month term with $150 fee Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Recreational Vehicle Loan	9.75%	10.19%	120 Months
Details Model Year: 2017 - 2023; Lowest APR assumes excellent credit history, automatic loan payment from an FSB account, 10% down payment, 120-month term with $150 fee Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 10.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

First State Bank (MI) Other Rates

Product	Rate	Points	APY/APR	Term
Government Loans - FHA	6.875%	-	7.493%	30-Year
Details Rates current as of: November 5, 2026 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.38% → 7.49% ▲ 0.11 pts · high 7.82% / low 7.38% Nov 5, 20267.49%▼ from 7.82% Oct 31, 20267.82%▲ from 7.38% Oct 14, 20267.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Government Loans - MSHDA	7.125%	-	7.531%	30-Year
Details Rates current as of: November 5, 2026 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 7.10% → 7.53% ▲ 0.43 pts · high 7.53% / low 7.10% Oct 31, 20267.53%▲ from 7.10% Oct 14, 20267.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Government Loans - VA	7.125%	-	7.329%	30-Year
Details Rates current as of: November 5, 2026 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 6.33% → 7.33% ▲ 1.00 pts · high 7.81% / low 6.33% Nov 5, 20267.33%▼ from 7.81% Oct 31, 20267.81%▲ from 6.33% Oct 14, 20266.33%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Deposit $50 Min Balance $0 Details Balance: Less than $2,499 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500-$9,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First State Bank (MI)’s Texas Ratio rose from 1.41% in Q3 2023 to 6.84% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	6.84%	5.0	A
March 31, 2026	$1.3B	6.46%	5.0	A
December 31, 2025	$1.3B	6.61%	5.0	A
September 30, 2025	$1.3B	4.75%	5.0	A+
June 30, 2025	$1.3B	3.97%	5.0	A+
March 31, 2025	$1.3B	3.37%	5.0	A+
December 31, 2024	$1.2B	2.99%	5.0	A+
September 30, 2024	$1.3B	1.94%	5.0	A+
June 30, 2024	$1.2B	1.41%	5.0	A+
March 31, 2024	$1.3B	1.20%	5.0	A+
December 31, 2023	$1.2B	1.27%	5.0	A+
September 30, 2023	$1.1B	1.41%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First State Bank (MI) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First State Bank (MI) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First State Bank (MI)'s official website for the most current offers and terms.

Bank Profile & Overview

Bank Name First State Bank (MI)

Website https://www.fsb.bank

Address 16100 E 9 Mile Rd, Eastpointe, MI 48021 · Macomb

Bank Holding Company FIRST STATE FINANCIAL CORP

FDIC Certificate # 15032

Regulator FED

Established January 1, 1917

FDIC Insurance Date February 21, 1935

Domestic Offices 11

Total Branches 11

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.84%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2356%

Return on Equity (ROE)

12.9600%

Non-Performing Loans Ratio (NPL)

0.63%

Total Assets

$1,349,122,000

Total Deposits

$1,214,315,000

Equity Capital

$130,783,000

Net Income

$8,268,000

Headquarters

Eastpointe

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

First State Bank (MI) earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/first-state-bank-rates-review-15032">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for First State Bank (MI) yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First State Bank (MI)

Frequently Asked Questions About First State Bank (MI)

Does First State Bank (MI) offer CDs?

Yes. First State Bank (MI) current CD rates include its 13-Months Fixed Rate CD - 13 Mth at 4.20% APY, its 4-Months Fixed Rate CD - 4 Mth at 4.15% APY and its 7-Months Fixed Rate CD - 7 Mth at 4.10% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from First State Bank (MI) FDIC insured?

Yes. First State Bank (MI) is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First State Bank (MI)?

The highest First State Bank (MI) CD rate is its 13-Months Fixed Rate CD - 13 Mth at 4.20% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does First State Bank (MI) offer?

First State Bank (MI) CD rates are 4.15% APY for a 4 month CD, 3.30% APY for a 6 month CD, 4.10% APY for a 7 month CD, 3.40% APY for a 12 month CD, 4.20% APY for a 13 month CD, 0.05% APY for an 18 month CD, 0.05% APY for a 2 year CD, 0.05% APY for a 3 year CD, 0.05% APY for a 4 year CD and 0.05% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First State Bank (MI) for its full lineup.

What is the highest savings rate at First State Bank (MI)?

The highest First State Bank (MI) savings rate is its Holiday Savings Club at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at First State Bank (MI)?

The highest First State Bank (MI) money market rate is its Business Money Market at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at First State Bank (MI)?

The highest First State Bank (MI) checking rate is its Business Interest Checking and IOLTAs at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at First State Bank (MI)?

The lowest First State Bank (MI) 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Year at 7.375%, verified by MonitorBankRates as of November 5, 2026. First State Bank (MI) mortgage rates are 7.375% for a 30 year mortgage, 7.625% for a 20 year mortgage, 6.99% for a 15 year mortgage and 7.00% for a 10 year mortgage.

What is the lowest auto loan rate at First State Bank (MI)?

The lowest First State Bank (MI) auto loan rate is its Auto Loan at 6.50%, verified by MonitorBankRates as of November 5, 2026.

How many branches does First State Bank (MI) operate?

First State Bank (MI) currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First State Bank (MI) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First State Bank (MI) provides members with tools to manage their accounts and build a solid financial history.

Does First State Bank (MI) offer online and mobile banking?

Most modern institutions like First State Bank (MI) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fsb.bank.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First State Bank (MI) rates compare?

First State Bank (MI)'s top CD rate of 4.20% APY on a 13 month CD is 39% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A health rating. First State Bank (MI)'s top rates are its 13-Months Fixed Rate CD - 13 Mth at 4.20% APY, its Holiday Savings Club at 0.10% APY, its Business Money Market at 4.00% APY, its Business Interest Checking and IOLTAs at 0.05% APY, its Fixed Rate Mortgage - 15 Year at 6.99% and its Auto Loan at 6.69% APR, verified by MonitorBankRates on November 5, 2026.

Current First State Bank (MI) Rates

12-Month CD3.40%
18-Month CD0.05%
24-Month CD0.05%
36-Month CD0.05%
48-Month CD0.05%
60-Month CD0.05%
Savings0.10%
MMA4.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Community Resource Bank First National Bank and Trust Phillipsburg, KS Bank of Wolcott First Federal Bank of Wisconsin GCSB Carson, ND 1st Source Bank Liberty National Bank Farmers State Bank Booneville, KY FSB of Malta Bank of Halls Bank of Pensacola Kindred State Bank Lake-Osceola State Bank Resource Bank, N.A. Pacific Coast Bankers' Bank Farmers State Bank of Hoffman Coffee County Bank FNB of Hereford First Bethany Bank & Trust Cape Cod Five Cents Savings Bank Firstrust Savings Bank

First State Bank (MI) Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First State Bank (MI) Texas Ratio

First State Bank (MI) Health Trend

First State Bank (MI) CD Rates

First State Bank (MI) Savings Rates

First State Bank (MI) Business Savings Rates

First State Bank (MI) Money Market Rates

First State Bank (MI) Business Money Market Rates

First State Bank (MI) Checking Rates

First State Bank (MI) Business Checking Rates

First State Bank (MI) Mortgage Rates

First State Bank (MI) Auto Loan Rates

First State Bank (MI) RV, Boat and Powersport Loan Rates

First State Bank (MI) Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

First State Bank (MI) earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First State Bank (MI)

Does First State Bank (MI) offer CDs?

Are CDs from First State Bank (MI) FDIC insured?

What is the highest CD rate at First State Bank (MI)?

What CD terms does First State Bank (MI) offer?

What is the highest savings rate at First State Bank (MI)?

What is the highest money market rate at First State Bank (MI)?

What is the highest checking rate at First State Bank (MI)?

What is the lowest 30 year fixed mortgage rate at First State Bank (MI)?

What is the lowest auto loan rate at First State Bank (MI)?

How many branches does First State Bank (MI) operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First State Bank (MI) offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First State Bank (MI) rates compare?

Current First State Bank (MI) Rates

Compare to Other Banks