Savings & CDs

We have developed a variety of Savings Plans that provide safe, cost effective investments with competitive rates to help maximize your return no matter what your savings goals.

• Your FDIC Insured Deposit
• Need More FDIC Coverage?
• Money Market Checking Account
• Indexed Money Market Account
• Certificates of Deposit (CDs)
• Christmas Club Account
• Statement Savings
• Individual Retirement Accounts (IRAs)

Money Market Checking Account:

Similar to the Indexed Money Market Account, the Money Market Checking is a cross between a checking and a savings account. It typically pays a higher rate* of interest than traditional savings or checking accounts and is more responsive to changes in short-term interest rates; however, the rate on this account is not tied to an index.

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Indexed Money Market Account:

The hallmark of the Indexed Money Market Account is a variable interest rate tied to an independent index. This account provides for unlimited, in-person withdrawals and six preauthorized electronic or check withdrawals per month. Designed with the modern investor in mind, the Indexed Money Market Account is responsive to changes in short-term interest rates and typically pays higher rates* than traditional checking or savings accounts.

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Certificates of Deposit (CDs):

In exchange for your promise to keep funds on deposit for a fixed period of time**, higher rates can be earned*. Our Certificates of Deposit are available in terms ranging from 91 days to 5 years(2). Interest rates are very competitive and guaranteed for the full term. Depending on the amount and term selected, interest can be reinvested or can be received as often as monthly by check or transfer.  For current rate information call (715)479-4406 or Toll Free (888)479-4406.

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Christmas Club Account:

The Christmas Club offers savers the opportunity to save a little each month for their annual Christmas Shopping Spree. Interest is paid annually, in October, and a check is cut for the balance in the account and mailed to the accountholder. This nearly foolproof method of saving for Christmas expenses helps eliminate borrowing against high-rate credit cards during the Christmas Shopping Season.

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Statement Savings:

Statement Savings is a traditional savings account with funds available in person, by ATM with a Pulse® or ShazamChek® Card or by transfer via EZ Net Internet Banking or EZ Access Telephone Banking. Offering competitive rates* and flexibility, our Statement Savings Account is built for today’s saver. There is no need to keep track of an old-fashioned passbook. You get a convenient statement each month that allows you to handle the record keeping the same familiar way you handle your checking account.

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Individual Retirement Accounts (IRAs):

Individual Retirement Accounts represent funds saved and invested for specific purposes including the retirement of the accountholder and are treated differently by the IRS. These specially designated funds can be invested in any of our CDs.**  A Personal Banker or Branch Manager can help you decide which plan is best for you.

* Fees may reduce earnings

** Penalties may apply for early withdrawal

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