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Personal Savings
Saving for what matters

  Minimum Opening Balance Minimum to Earn Interest Withdrawal by Check
Statement Savings $50 $100  
Looney Tunes Savings Club None $100  
Preferred Money Market $2,500 None
Health Savings Account None $100

Transaction restrictions apply to all Savings accounts. Please read information provided below.

  • Statement Savings

    Whether you are saving for a rainy day, that special vacation or a child's education, Statement Savings offer flexibility and security. The account may be tied to your checking account to provide a safeguard from overdrafts, while giving you the opportunity to earn interest.

    • Interest Rate .05%    Annual Percentage Yield .05%
    • Interest compounded and credited daily, calculated using the daily balance method
    • $50 average balance required.   Interest earned on balances over $100
    • $1.00 per debit fee for each debit over 3 per month
  • Looney Tunes Savings Club

    Teach your child to "tune" into savings with this special club membership. Kids ages 0 to 17 will receive the same features and benefits as our Statement Savings accounts.  Deposits and withdrawals feature Looney Tunes characters to encourage kids to have fun while saving! 

    • $2 Statement Savings monthly below minimum fee is waived for children under 18
    • All other terms and conditions of the Statement Savings Accounts apply
  • Preferred Money Market Account

    Earn a higher rate of interest while retaining access to your account by check.

    Daily Balance Interest Rate AnnualPercentage Yield
    Under $2,500 0.05% 0.05%
    $2,500-$24,999 0.10% 0.10%
    $25,000-$49,999 0.25% 0.25%
    Over $49,999 0.35% 0.35%
    • Interest calculated on collected balance and compounded and credited monthly
    • Minimum balance of $2,500 required
    • Unlimited number of deposits
    • 6 debits permitted monthly with $10 fee per debit over 6
    • $10 below minimum fee per month if balance falls below $2,500
  • Health Savings

    Health Savings Accounts (HSAs) are tax-exempt accounts where funds grow to pay for medical expenses.  HSAs allow you to pay for current health expenses and save for future qualified medical expenses on a tax-free basis.  You must be covered by a High deductible Health Plan (HDHP) to be able to take advantage of a Health Savings Account. See if a health savings is right for you.

    • Interest Rate .25%    Annual Percentage Yield .25%
    • You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed APY. Interest is paid on balances over $100.00.
    • Interest compounded and credited daily, calculated using the daily balance method
    • Withdrawals can be made by check, debit card, online bill payment or transferred to an existing account.
    • There is a one-time $25.00 set-up fee. 
    • Annual maximum contribution limits are determined by the I.R.S.

*The following terms apply to all First State Bank of Wyoming Deposit Accounts.

  • Dormant account fee of $2 per month is charged if the account is not used for 6 months and balance is below $50.
  • Account closure fee of $25 will be assessed if the account is closed within the first 6 months.
  • Annual Percentage Yields (APY) and Interest Rates are subject to change at any time.
  • Fees may reduce earnings.  Rates are effective 07/22/2020.