Savings Products

Personal Savings

Profile: maintains low balances with easy access to funds

  • Minimum to open – $50
  • Monthly maintenance fee – $10
  • Minimum daily balance to avoid monthly maintenance fee – $50
  • Interest compounding monthly
  • Unlimited over the counter withdrawals
  • Excessive withdrawal fee – $5 per transaction
  • Federal Restrictions Apply *

Young Savers

Profile: available for our customers under 18 years of age

  • Minimum to Open – $50
  • Quarterly maintenance fee – $0
  • Minimum daily balance – $0
  • Interest compounding monthly
  • Unlimited over the counter withdrawals
  • Federal Restrictions Apply *

Certificates of Deposit (CD)

  • Competitive Rates (Click to see our current CD rate)
  • Minimum to open – $1,000
  • Interest compounding monthly
  • Variety of maturities
  • Penalty for early withdrawal

Individual Retirement Account (IRA)

  • Allows deferral of taxes on income earned until withdrawn
  • Minimum to open – $250
  • Interest compounding monthly
  • Variety of maturities, fixed rate and variable rate options
  • Penalty for early withdrawal

*Federal regulations limit the number of transfers to another one of your accounts at Plains State Bank or to a third party by means of a pre-authorized or automatic transfer, computer transfer, or by check, draft, debit card, or similar order, to a combined total of six per statement cycle for Savings accounts and six per statement cycle for Money Market accounts. This includes Plains State Bank online banking transfers and bill payments.