Effective Date: Friday, December 14, 2018

Make the most of your short-term investment with these great rates!

 

Product APY* Interest Rate Minimum / Maximum Deposits (if applicable)
15 Month CD¹ 2.25% 2.23% $2,000 Minimum Deposit to earn APY
25 Month CD² 2.50% 2.47% $2,000 Minimum Deposit to earn APY

 

*Annual Percentage Yield. A substantial penalty is imposed on premature withdrawals from certificates of deposits. Depositors are insured for up to $250,000 by the Federal Deposit Insurance Corporation (FDIC). Fees may reduce earnings. For complete details on any of our deposit products, contact a Personal Banker for assistance at 603.934.4445 or 1.800.372.4445. ¹FSB PassKey Customers can earn an interest rate of 2.33% with an APY of 2.35%. ²FSB PassKey Customers can earn an interest rate of 2.72% with an APY of 2.75%.

To open a CD, visit an FSB office nearest you or call 1.800.372.4445.



Effective Date: Friday, December 14, 2018

Product APY* Interest Rate Minimum Balance to Earn APY
7 Day 1.00% 1.00% $5,000.00
10 Day 1.25% 1.24% $5,000.00
13 Day 0.05% 0.05% $5,000.00
21 Day 0.05% 0.05% $5,000.00
91 Day 0.15% 0.15% $2,000.00
0.20% 0.20% $10,000.00
182 Day 0.15% 0.15% $2,000.00
0.20% 0.20% $10,000.00
One Year 0.40% 0.40% $2,000.00
0.45% 0.45% $10,000.00
Two Year 0.40% 0.40% $2,000.00
0.45% 0.45% $10,000.00
Three Year 0.65% 0.65% $1,000.00
Five Year 1.15% 1.14% $1,000.00 Minimum Deposit
Five Year Smart CD 0.90% 0.90% $100.00

* Annual Percentage Yield. A Substantial Penalty is imposed on premature withdrawals from certificates of deposits. Depositors are insured for up to $250,000 by the Federal Deposit Insurance Corporation (FDIC). Fees may reduce earnings. For complete details on any of our deposit products, contact a Personal Banker for assistance at 603.934.4445 or 1.800.372.4445.



Effective Date: Friday, December 14, 2018

Annual Percentage Yield. APYs for deposit instruments with no maturities or maturities of less than one year assume reinvestment at original rate for one year. Interest is earned and compounded monthly. Interest rates are subject to change without notice. Regular fees or other conditions could reduce the yield. For details, review our Truth in Savings Disclosures.

Minimum deposit to open a Fixed Rate IRA is $500 for 3- through 5-Year terms and $1,000 for any term under 3 Years.  Choose from the Certificates of Deposit term options for a Fixed Rate IRA.

Product APY* Interest Rate Minimum Balance to Earn APY
Variable Rate IRA 0.20% 0.20% $50,000.00
0.15% 0.15% $15,000.00
0.10% 0.10% $10.00

* Annual Percentage Yield.



Effective Date: Friday, December 14, 2018

Product APY* Interest Rate Minimum Balance to Earn APY
Lakes Money Market Plus – with FSB Checking 0.50% 0.50% $250,000.00+
0.45% 0.45% $150,000.00
0.30% 030% $75,000.00
0.25% 0.25% $25,000.00
0.10% 0.10% $2,500.00
0.05% 0.05% $0.01
Money Market Advantage 0.15% 0.15% $75,000.00
0.12% 0.12% $25,000.00
0.05% 0.05% $2,500.00
0.03% 0.03% $0.01

* Annual Percentage Yield



Effective Date: Friday, December 14, 2018

Product APY* Interest Rate Minimum Balance to Earn APY
Health Savings Accounts (HSA) 1.70% 1.69% $25,000.00
1.20% 1.19% $10,000.00
0.70% 0.70% $2,500.00
0.45% 0.45% $1,000.00
0.15% 0.15% $0.01
Kids’ Account 0.03% 0.03% $0.50
Statement Savings 0.07% 0.07% $5,000.00
0.03% 0.03% $100.00

* Annual Percentage Yield



Effective Date: Friday, December 14, 2018

Product APY* Interest Rate Minimum Balance to Earn APY
All Others (when applicable) 0.01% 0.01% Varies

*Annual Percentage Yield