First State Bank New Jersey

Savings

Statement Savings| Student Statement Savings| Money Market Account| Certificates of Deposit

Let First State Bank put you first in making the most of your money.

In addition to some of the highest interest rates paid in the area, you�ll enjoy these additional benefits:

Free e-banking and bill pay service (with your First State checking account).
Free 24-hour banking with no ATM charges at First State�s machine.
FDIC insured protection.

Statement Savings

No minimum deposit to open your account.
No monthly service charge when you maintain an average daily balance of just $100 or more. (If balance falls below that amount, a $5 service charge will apply for that statement.)
Easy-to-read monthly statement.
$100 minimum balance required to earn interest.

Student Statement Savings

No monthly maintenance fees.
Easy-to-read monthly statement.
$10 minimum balance required to earn interest.

Money Market Account

Earn a competitive rate of interest on all balances of $500 or more, with higher premium rates of interest on all balances of $10,000 to $24,999, and increasingly higher rates on balances of $25,000 to $99,999 and $100,000 or more.
Make up to six preauthorized transactions each statement cycle, including up to three third-party checks.
No monthly service charge when you maintain an average daily balance of just $1,000 or more. (If balance falls below that amount, a $10 service charge will apply for that statement cycle.)
An active Checking Account relationship must be maintained with either 6 transactions per month, direct deposit or 3 on-line bill payments per month, and an average daily balance of $2,000, or interest rates paid will be reduced by .15%.

Certificates of Deposit

Open your First State CD with as little as $500.
Interest rate guaranteed for the entire term of your account.
Choice of terms to suit your financial needs, ranging from 30 days to 60 months.
Premium rates paid when an active First State Checking Account is maintained with either 6 transactions per month, direct deposit or 3 on-line bill payments per month, and an average daily balance of $2,000.
Select terms available for IRA accounts.
Special-rate Jumbo CD�s available for deposits of $100,000 or more.
Automatic renewal at prevailing First State rates, with a 10-calendar day grace period.
Deposits must remain until maturity or a penalty for early withdrawal may apply.

Equal Housing Lender Equal Opportunity Lender - Member FDIC
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