Rates First State Bank of Wyoming

IRA & Certificate of Deposit Rates

Term of Investment	Minimum Balance	Interest Rate	Annual Percentage Yield*	Compounding & Crediting Frequency
3 Month Small Savers	$500	0.10%	0.10%	AT Maturity
1 Month CD	$2,000	0.10%	0.10%	AT Maturity
3 Month CD	$2,000	0.10%	0.10%	At Maturity
6 Month CD	$1,000	0.20%	0.20%	Quarterly
7 Month Relationship CD~	$1,000	4.21%	4.25%	At Maturity
12 Month CD	$1,000	1.00%	1.00%	Quarterly
21 Month Relationship CD~	$2,000	3.50%	3.55%	Quarterly
2 Year CD	$2,000	1.50%	1.51%	Quarterly
3 Year CD	$2,000	2.00%	2.02%	Quarterly
5 Year CD	$2,000	2.50%	2.52%	Quarterly
Interest rates effective:	11/8/2024

*The ANNUAL PERCENTAGE YIELD (APY) assumes interest will remain in the account until maturity or 1 year, whichever is greater. A withdrawal of interest or principal will reduce earnings. We use the DAILY BALANCE METHOD to calculate interest on accounts. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit.

Minimum Balance listed above is the minimum deposit amount to open the account. You must maintain this minimum balance on a daily basis to earn the annual percentage yield disclosed. You cannot make deposits to time account during a term (other than credited interest). You cannot withdraw principal without our consent except on or after maturity. For accounts that automatically renew, there is a ten day grace period after each renewal date during which withdrawals are permitted without penalty.

~Other than single maturity accounts, certificates will automatically renew on the maturity date. Each renewal term will be the same as the original certificate(CD) excluding the 7 month CD that will renew at the 12 month term and the 21 Month CD that will renew at the 24 month term. The interest rate will be the same rate we offer on new time deposits on the maturity date that have the same term, minimum balance (if any) and other features as the original time deposit, excluding the 7 month CD which will renew at the 12 month rate, and the 21 month CD that will renew at the 24 month rate.

Relationship CD’s require an existing active checking account relationship with First State Bank of Wyoming.

You must notify us in writing before or within a ten-day grace period after the maturity date if you do not want the certificate to automatically renew. We reserve the right to stop automatic renewal by written notice to you before maturity. If this account is not automatically renewable, then no interest will be paid after maturity.

The following penalty may be imposed for early withdrawal:

Term	Penalty
Less than 6 month term	Loss of accrued Interest
6 Month - 27 Month	3 Month of Interest Penalty
Term > 27 Months	6 Month Interest Penalty

Please Call For Current Rates & Yields

Preferred Money Market Rates

Daily Balance	Interest Rate	Annual Percentage Yield
Under $2,500	0.05%	0.05%
$2,500-$24,999	0.10%	0.10%
$25,000-$49,999	0.35%	0.35%
Over $49,999	0.50%	0.50%
	• 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 Interest Rates Effective 11/17/2022.