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%

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First State Bank (MI)

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First State Bank (MI) Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

First State Bank (MI)'s top rates as of October 7, 2026 are 4.20% APY on its 13-Months 13 Mth CD, 0.10% APY on savings, 4.00% APY on money market accounts, 0.05% APY on checking, 6.75% on its FHA Loan mortgage, and auto loans from 6.69% APR, according to rates verified by MonitorBankRates. Other First State Bank (MI) CD rates include 4-Months 4 Mth CD at 4.15%, 1 Year Jumbo CD at 4.10%, and 7-Months 7 Mth CD at 4.10%. Other First State Bank (MI) mortgage rates include 15 Year Fixed Rate Mortgage at 7.00%, 10 Year Fixed Rate Mortgage at 7.00%, and 30 Year Fixed Rate Mortgage at 7.375%. 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 10/07/2026.

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 Q2 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

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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
13 Mth CD	4.13%	4.20%	13 months
Min Deposit $10,000 Details *** Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
4 Mth CD	4.09%	4.15%	4 months
Min Deposit $10,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
1 Year Jumbo CD	4.038%	4.10%	1 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
7 Mth CD	4.07%	4.10%	7 months
Min Deposit $10,000 Details *** Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
90 Day Jumbo CD	4.04%	4.10%	90 Days
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
150 Day Jumbo CD	3.91%	3.96%	150 Days
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
120 Day Jumbo CD	3.90%	3.95%	120 Days
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
180 Day Jumbo CD	3.91%	3.95%	180 Days
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
270 Day Jumbo CD	3.93%	3.95%	270 Days
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
13 Mth CD	3.75%	3.80%	13 months
Min Deposit $10,000 Details **** Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
7 Mth CD	3.67%	3.70%	7 months
Min Deposit $10,000 Details **** Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
12 Mth CD	3.36%	3.40%	12 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
30 Day Jumbo CD	3.25%	3.33%	30 Days
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.33% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
60 Day Jumbo CD	3.25%	3.33%	60 Days
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.33% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
6 Mth CD	3.27%	3.30%	6 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
91 Day CD	3.26%	3.30%	91 Day
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
7 Day Jumbo CD	3.00%	3.07%	7 Days
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
2 Year Jumbo CD	2.00%	2.05%	2 Years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
3 Year Jumbo CD	2.00%	2.05%	3 Years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
4 Year Jumbo CD	2.00%	2.05%	4 Years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
5 Year Jumbo CD	2.00%	2.05%	5 Years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
18 Mth CD	0.05%	0.05%	18 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
24 Mth CD	0.05%	0.05%	24 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
30 Day CD	0.05%	0.05%	30 Day
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
30 Mth CD	0.05%	0.05%	30 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
36 Mth CD	0.05%	0.05%	36 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
48 Mth CD	0.05%	0.05%	48 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
60 Mth CD	0.05%	0.05%	60 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Easy CD - 6 Month (182 day)	0.05%	0.05%	6 Month
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Easy CD - 6 Month (182 day)	0.05%	0.05%	6 Month
Min Balance $10,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Easy CD - 6 Month (182 day)	0.05%	0.05%	6 Month
Min Balance $25,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Easy CD - 6 Month (182 day)	0.05%	0.05%	6 Month
Min Balance $50,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Easy CD - 6 Month (182 day)	0.05%	0.05%	6 Month
Min Balance $75,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 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 Balance $0 Details Balance: $0 - $2,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Health Savings Account	0.05%	0.05%
Min Balance $0 Details Balance: Less than $2,499 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Holiday Savings Club	0.01%	0.01%
Min Balance $2,001 Details Balance: $2,001 - $9,999 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Holiday Savings Club	0.01%	0.01%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Holiday Savings Club	0.01%	0.01%
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Minor Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Minor Savings	0.01%	0.01%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Minor Savings	0.01%	0.01%
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 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 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 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 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 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 + Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 6 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 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 6 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 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 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 + ** Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.00% APY · checked 4 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 + Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.50% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 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 10/07/2026 Rate History No change since Oct 2, 2026 · 4.00% APY · checked 4 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 10/07/2026 Rate History No change since Sep 19, 2026 · 3.50% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 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 Balance $500 Details Balance: $500 and up Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 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 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 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
15 Year Fixed Rate Mortgage	7.00%	-	7.148%	15 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
10 Year Fixed Rate Mortgage	7.00%	-	7.208%	10 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.21% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
FHA Loan	6.75%	-	7.381%	30 years
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.15% → 7.38% ▲ 0.24 pts · high 7.38% / low 7.15% Sep 19, 20267.38%▲ from 7.15% Sep 15, 20267.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
30 Year Fixed Rate Mortgage	7.375%	-	7.471%	30 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.47% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
20 Year Fixed Rate Mortgage	7.625%	-	7.754%	20 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

First State Bank (MI) Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - Interest Only Loan	7.50%	-	7.58%	10 year
Details Prime Rate (7.00%) plus 0.50% as published in Wall Street Journal; Payment Required: Interest on outstanding balance Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.49% → 7.58% ▲ 0.09 pts · high 7.58% / low 7.49% Sep 19, 20267.58%▲ from 7.49% Sep 15, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Home Equity Line of Credit - Principal & Interest Loan	7.50%	-	7.58%	10 year
Details Prime Rate (7.00%) plus 0.50% as published in Wall Street Journal; Payment Required: 1% of outstanding balance plus interest Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.49% → 7.58% ▲ 0.09 pts · high 7.58% / low 7.49% Sep 19, 20267.58%▲ from 7.49% Sep 15, 20267.49%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 10/07/2026 Rate History No change since Sep 15, 2026 · 6.69% APR · checked 8 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 10/07/2026 Rate History No change since Sep 15, 2026 · 7.22% APR · checked 8 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 10/07/2026 Rate History No change since Sep 15, 2026 · 7.76% APR · checked 8 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 10/07/2026 Rate History No change since Sep 15, 2026 · 8.30% APR · checked 8 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 Vehicles Loan	8.25%	8.56%	120 Months
Details Model Year: 2024 or newer Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 8.56% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Recreational Vehicles Loan	8.75%	9.10%	180 months
Details Model Year: 2024 or newer Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 9.10% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Recreational Vehicles Loan	9.25%	9.75%	60 Months
Details Model Year: 2017 - 2023 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 9.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Recreational Vehicles Loan	9.75%	10.19%	120 Months
Details Model Year: 2017 - 2023 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 10.19% APR · checked 7 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
MSHDA Loan	6.375%	-	7.099%	30 years
Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.10% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Balance $0 Details Balance: Less than $2,499 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Balance $2,500 Details Balance: $2,500-$9,999 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Premium Account	0.01%	-	0.01%
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%
Savings and Checking	3.25%	-	3.25%
Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.84%

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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

Institution Name First State Bank (MI)

Bank Holding Company FIRST STATE FINANCIAL CORP

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

Website https://www.fsb.bank

FDIC Certificate # 15032

Established 19170101

FDIC Insurance Date 19350221

Domestic Offices 11

Total Branches 11

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.84%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2356%

Return on Equity (ROE) 12.9600%

Non-Performing Loans (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 11

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First State Bank (MI) earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About First State Bank (MI)

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.

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.

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First State Bank (MI) Rates & Review October 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) Home Equity & HELOC

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

Financial Health & Assets

First State Bank (MI) earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 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?

Current First State Bank (MI) Rates

Compare to Other Banks