¹ Introductory Annual Percentage Rate (“APR”) 0.00% for 6 months from the date of your first balance transfer (Daily Periodic Rate 0.000000%). After the first 6 months, APR may be as low as 9.90% with approved credit (Daily Periodic Rate 0.027123%), or as high as 16.90% (Daily Periodic Rate 0.046301%). Introductory rate only applies to balances transferred to a First State Bank & Trust credit card. Offer expires 05/31/2019. Member FDIC.

 ² Purchases made between April 1, 2019 and October 1, 2019 will be automatically applied at an Annual Percentage Rate (“APR”) of 2.99%. The purchases will remain at the 2.99% until the October 20, 2019 statement date. After October 20, 2019, APR may be as low as 9.90% with approved credit (Daily Periodic Rate 0.027123%), or as high as 16.90% (Daily Periodic Rate 0.046301%). Promotional rate only applies to purchases made via a First State Bank & Trust credit card. Offer expires 10/1/2019. Member FDIC.