Savings Accounts

Choose the savings account that’s right for you.

Dairy State Bank has a long tradition of helping people achieve their financial dreams. Whether you’re saving to reach a long-range goal or just need a savings account for basic money management, we provide options that are convenient and take into account your priorities.

Compare Savings Accounts

Junior Savers

For 18 years and under • Learn importance of saving


$1

Amount to Open


$0

Minimum to Earn interest


No

Higher rate over $10,000


Unlimited

In-branch withdrawls


6/month

Withdrawal Limit***


No

Monthly service charge


Also Available:

FREE:
Online Banking,
ATM Card,
Mobile Banking

 

Money Market

Higher tiered rates • Limited check writing


$25

Amount to Open


$1000 (tiered)

Minimum to Earn interest


Yes

Higher rate over $10,000


Unlimited

In-branch withdrawls


6/month

Withdrawal Limit***


$15 if below $1000

Monthly service charge


Also Available:

FREE:
Online
Banking,
Bill Pay*,
Telebank,
eStatements,
Mobile Banking

Wealth Builders

Long term savings focused • Flexible


$1,000

Amount to Open


$1000 (tiered)

Minimum to Earn interest


Yes

Higher rate over $10,000


Unlimited**

In-branch withdrawls


6/month

Withdrawal Limit***


$10 if below $1000

Monthly service charge


Also Available:

FREE:
Online
Banking,
Bill Pay*,
Telebank,
eStatements,
Mobile Banking

Christmas Club

Save all year for holiday expenses


$5

Amount to Open


$0

Minimum to Earn interest


No

Higher rate over $10,000


Not Allowed

In-branch withdrawls


Not Allowed

Withdrawal Limit***


No

Monthly service charge


Also Available:

FREE:
Online
Banking,
Telebank,
eStatements,
Mobile Banking

* $5 monthly inactivity charge on Bill Pay accounts
**All “Wealth Builder” withdrawals subject to additional fee.
***Refers to automatic payments, telephone transfers, online banking transfers, telebank transfers, etc.
All accounts are subject to Terms and Conditions. Other restrictions and fees may apply.

Certificates of Deposit

Commit to saving for a designated length of time, and earn higher, fixed-rate interest. CD’s with competitive rates such as ours, allow your money to work for you. Our shortest maturity option is just six months and requires only $1,000!

CDARS – Certificate of Deposit Account Registry Service

With CDARS, you can access FDIC protection on multi-million dollar CD investments through Dairy State Bank. There are few guarantees in life – FDIC insurance is one of them. CDARS can be a valuable cash management or longer-term investment tool for you.

Individual Retirement Accounts

Planning for retirement can be like trying to solve a complicated puzzle. Fortunately, Dairy State Bank has all the right pieces to help secure your retirement. From Traditional and Roth IRAs to Coverdell IRAs (education), we have the product that will fit your personal retirement plan needs.

In preparing for retirement, it’s important to have a plan, understand the tax advantages of IRAs and to research your options. Our Customer Service Representatives have the expertise you need to make decisions about the future. Trust them to assist you in finding the best solutions.

To find out more about saving for your retirement and the tax advantages of IRA’s, call one of our Customer Service Representatives. They’ll be happy to help you find the plan that works best for you.