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Certificates of Deposit

A Business Certificate of Deposit or CD at First State Bank is designed to give you a higher rate of return in exchange for a time commitment (term) on your deposit.  Please contact customer service at 256-845-6101 for terms and current interest rates.

    • You must deposit $500.00 to open this account.
    • We may impose a penalty if you withdraw any of the principal before the maturity date,
    • The account will renew automatically at maturity.
    • You have 10 days after the maturity date to withdraw funds without a penalty.
    • Interest begins to accrue on the business day you deposit non cash items.
    • We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.


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