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Personal Banking

Savings

All of our savings accounts are federally insured up to $250,000 by the Federal Deposit Insurance Corporation.

Passbook Savings

  • No minimum to open an account
  • Unlimited deposits and withdrawals in person or at an ATM.
  • Interest is earned on your balance
  • Automatic transfer to your checking account available

Savers Choice

A great account to automatically save for escrow, your next big purchase, or for an emergency fund!

  • Earn the same interest rate as a 12 month Certificate of Deposit without tying up your money!
  • Automatic deposits made monthly, bi-monthly, bi-weekly, or weekly.
  • One withdrawal per quarter. A $25 service charge for more than one withdrawal per quarter.
  • Minimum auto deposit is $10; you can change this amount up to twice a year.
  • Must maintain the account for one year or you will have to pay a $25 closing fee.
  • No deposits or transfers can be made online. You must stop in or call.

Star Saver Kids Club

A great way to teach kids to save!
Available to all kids ages 13 and under.

  • No minimum to open an account
  • Interest is earned on your balance
  • Earn prizes with deposits, birthday rewards, and other fun surprises!
  • Check out another way to save with our Star Saver CDs. For more information, Contact Us!

Christmas Club Savings

Reduce your holiday stress each year with this account!

  • No minimum to open an account
  • Earn higher interest on your balance
  • Balance grows monthly with auto-deposits from another SSB account
  • We write you a check for the balance plus interest November 1!

Money Market Savings

A great account for those interested in earning a higher interest rate!

  • $5,000 to open an account
  • Tiered levels of interest adjusted to market conditions help you maximize your return while still keeping your money accessible.
  • Interest is paid on account monthly.

Health Savings Account (HSA)

A Health Savings Account (HSA) is a tax-exempt account established exclusively for the purpose of paying qualified medical expenses for an individual, their spouse, and their dependents.

Eligibility:
  • Individuals who are covered under a high deductible health plan (HDHP)
  • Individuals who are not covered by another health plan that is not an HDHP (with some exceptions)
  • Individuals who are not enrolled to receive benefits under Medicare
  • Individuals who may not be claimed as a dependent on another person’s federal tax return

What is a high deductible health plan (HDHP)?  An HDHP is a high deductible health plan.  There are two types of plans: self-only and family. The plan must meet two rules.  First, the deductible cannot be less than a certain amount.  Second, the maximum out of pocket cannot exceed a certain amount. These two amounts change each year, talk with your tax consultant and insurance company to see if you qualify.

Distributions from the account are to be for qualified medical expenses. The bank is not responsible for determining if a distribution qualifies; it is the account owner’s responsibility to determine the purpose and tax effect of any distribution from the HSA.

First-Time Homebuyer Savings

Special savings for first-time homebuyers with tax advantages!

  • Account is held for a maximum term of 10 years.
  • One withdrawal from account for the full account balance.
  • Interest is paid on account quarterly.  
For complete details and a disclosure on our accounts, please Contact Us. Interest calculated by the daily balance method. Variable rate accounts are subject to change without notice.
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