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Personal Savings Accounts and CD's

Certificate of Deposit

If safe investment options are what you are looking for, our CD’s are a great savings option for you! CD’s are one of the safest investment products available, offering fixed interest rates and FDIC insurance on your money. This will allow you to invest your money worry free and watch it grow.

  • $500.00 minimum balance.
  • Penalties may apply if withdrawn early.
  • Terms offered:
    • 12 Month
    • 18 Month
    • 24 Month
    • 36 Month
  • Contact us for current interest rates today!

Savings Account

Our Savings account offers a competitive interest rate and complete access to your money. So whether your savings goals are short term or long term, you will find our savings account to be a great way to save for those future needs! We want to make sure your money is always working for you! 

  • $50.00 minimum balance.
  • Limited to 6 withdrawals per month not made in person (ie: online, phone and automatic transfers) - .50 per withdrawal over 6 not made in person.
  • Unlimited withdrawals made in person.
  • $1.00/month service charge if account falls below minimum balance.
  • Cash card available - $1.75/month.
  • Contact us for our current interest rate today!

Christmas Savings

Always finding yourself wishing you had saved a little more when the Holiday season rolls around? Our Christmas Savings account allows you to put a little bit away all year and then have a check automatically issued each November. You can add to this saving account anytime, or you can ask about setting up an automatic transfer into the account from either a payroll or any of your other accounts.

  • No minimum balance.
  • No minimum periodic deposit requirement.
  • Check will be drawn on the account the first week in November.
  • Contact us for our current interest rate today!

Kids Club Savings

It is never too early to teach a child the importance of saving. Our Kid’s Club is an account that not only teaches children to save, but also offers additional benefits to get them excited about saving. This account encourages kids to deposit money they have saved into their account and earn interest. As a Kids Club member the child will be invited to special kids club events, and receive a special gift on their birthday.

  • Kids 4 to 12 years of age eligible.
  • $25.00 minimum deposit recommended.
  • Limited to 6 withdrawals per month not made in person (ie: online, phone and automatic transfers) - .50 per withdrawal over 6 not made in person.  
  • Unlimited withdrawals made in person.
  • Contact us for our current interest rate today!

MNUTMA Savings Account - (Minnesota Uniform Transfer to Minor Account)

This savings account is a great way to save for a child's future. The account is owned by the child, but only the custodian can access the funds. This account works especially well for children who cannot sign on the account.

Makes for a great gift for the future!

  • Minor is owner, adult is custodian.
  • Minor can not access funds.
  • Custodian can access funds.
  • One custodian per account.
  • Limited to 6 withdrawals per month not made in person (ie: online, phone and automatic transfers) - .50 per withdrawal over 6 not made in person.  
  • Unlimited withdrawals made in person.
  • Minimum suggested balance $25.00.
  • Contact us for our current interest rate today!

Health Savings Accounts

Our Health Savings Account is a great way to save for those unexpected medical expenses.  Save for medications, co-pays, and any other medical related expense you may encounter. One advantage to putting money into a Health Savings Account includes favorable tax treatment with tax deductible contributions and any remaining funds are yours to keep!

  • Must have high deductible insurance policy.
  • Cannot be enrolled in Medicare.
  • Contributions are tax deductible.
  • Must follow contribution limits.
  • Funds must be used for qualified medical expenses to avoid tax consequences.
  • After age 65, funds can be withdrawn without tax consequences.

COVERDELL EDUCATION SAVINGS ACCOUNT (CESA)

A Coverdell Education Savings Account is another great way to save for future education expenses.  This account can only be drawn on for educational expenses and features tax-free withdrawal for these expenses.

  • You are eligible to contribute if your modified adjusted gross income does not exceed certain limits.
  • There are no compensation requirements or age restriction for contributors.
  • The total aggregate contribution on behalf of any child under 18 is $2000 a year.

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