First State Bank credit card terms
Bank · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
First State Bank reported a surveyed purchase APR of 18% (median 18%) to the CFPB Terms of Credit Card Plans survey, across 1 product. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
First State Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 18% |
| Median purchase APR | 18% |
| Rate type | fixed |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 18% |
| Annual fee | — |
| Late fee (median) | $5 |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means First State Bank did not report that field in the survey.
How First State Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. First State Bank's median of 18% sits around or below the 21% national average APR.
Similar issuers (bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| First State Bank (this issuer) | 18% | 18% | — |
| Farm Bureau Bank Fsb | 16.74% – 29.99% | 17.99% | — |
| Midfirst Bank | 13.74% – 21.74% | 17.74% | — |
| Sabine State Bank And Trust Company | 16.8% | 16.8% | $12 |
| Jonah Bank Of Wyoming | 16.25% | 16.25% | $50 |
| Solvay Bank | 15.88% | 15.88% | — |
| Blue Ridge Bank | 17.49% – 23.49% | 20.49% | — |
Farm Bureau Bank Fsb · Midfirst Bank · Sabine State Bank And Trust Company · Jonah Bank Of Wyoming · Solvay Bank · Blue Ridge Bank
Frequently asked questions
What is First State Bank's credit card APR?
First State Bank reported a purchase APR of 18% to the CFPB Terms of Credit Card Plans survey (median 18%), across 1 surveyed product. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does First State Bank charge an annual fee?
First State Bank did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is First State Bank a good choice for a low APR?
First State Bank's surveyed range is 18%. Compare it against a credit union, which often offers lower rates (federal credit unions are capped at 18%).
Keep exploring
Sources & accuracy
Terms reported by First State Bank (First State Bank) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29