Savings | State Bank


Start a savings habit today with our attractive account options.  Teach your children the importance of saving.  Tuck money away for that much-needed vacation, college education or even unexpected expenses.    Earn a competitive rate of interest while enjoying the flexibility that our accounts provide.


Benefits with Savings and Money Market Accounts

  • Mobile Banking
  • Online Banking
  • Telephone Banking
  • Account Alerts
  • Text Banking
  • E-Statements
  • Direct Deposit
  • Notary Service
  • Night Drop Service 

Savings Accounts


  • View our competitive rates
  • $1 minimum balance fee waived on balances over $100
  • $100 minimum opening deposit
  • Interest compounded quarterly
  • Add account to your debit card and withdraw funds at an ATM

Minor Savings

  • All the benefits of our regular savings accounts AND
  • No minimum balance requirement until age 18

Christmas Club 

  • Save for your holiday purchases 
  • Encourages you to save
  • Earns interest
  • Funds distributed in October
  • $5 opening deposit 

Vacation Club 

  • Set aside money for your next trip
  • Encourages saving
  • Earns interest
  • Funds distributed in April
  • $5 opening deposit 

Money Market 

*During any calendar month or statement cycle of at least four weeks, you may not make more than six pre-authorized or automatic withdrawals/covered transfers per month. If you exceed these limitations in any statement period, your account will be subject to closure by the bank.  Fees and Charges – The following fees and charges apply to this account – Per Item Fees – A per item charge of $15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle. 

Health Savings Accounts (HSA) 

  • Perfect companion for your high-deductible health plan
  • Easy to access funds with instant issue Debit Card
  • Use for qualified medical expenses
  • No opening or annual fees
  • Easily track expenditures with free Online Banking
  • $100 minimum opening deposit


You are eligible to make or receive an HSA regular contribution if, with respect to any month, you:

  • Are covered under a high-deductible health plan (HDHP) on the first day of the month; Are not also covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventive care and limited types of permitted insurance and permitted coverage);
  • Are not enrolled in Medicare; and
  • Cannot be claimed as a dependent on another person's tax return

Certificates of Deposit (CDs) 

Individual Retirement Accounts (IRAs) 

  • Start saving now for retirement
  • No administrative fees
  • Long and short-term options available
  • Personalized service to assist you with administering your plan 
  • $100 minimum opening deposit

Have Questions?

 To learn more about savings opportunities, speak to a Customer Service Rep at any of our locations.  

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