Personal Savings Accounts

Your Partner for the Future

We love hearing about the future like planning for college, saving up for a house, or building up a safety net. We’re here to help make that plan as easy as calling up a friend. Let us know what your plans for the future are, and we’ll help you choose and set up the perfect savings account for you and your family.

After all, that’s what friends are for.

Statement Savings

  • Minimum opening deposit $100
  • $2 monthly service charge if balance falls below $100
  • No more than six preauthorized or automatic withdrawals, telephone or internet transfers, checks, drafts, and debit card or other similar transactions from your account per calendar month.
  • Internet & telephone banking, e-statements
  • Variable interest rate

Christmas Club

  • Minimum opening deposit $5
  • Deposits accepted until mid November.
  • Checks mailed prior to Thanksgiving
  • Non interest bearing
  • Internet & telephone banking, e-statements

Young Savers Account

  • Minimum opening deposit $25
  • $1 monthly service charge if balance falls below $25
  • No more than six preauthorized or automatic withdrawals, telephone or internet transfers, checks, drafts, and debit card or other similar transactions from your account per calendar month
  • Earn $5 with A/B report card, $10 if parent or guardian has their primary checking account with Central State Bank
  • Available for children under 19 years of age
  • Variable interest rate

CD’s

  • Terms ranging from 30 days to 5 years and up
  • Various rates depending on term and amount
  • Please see a Personal Banker for more information

IRA’s

  • We offer Traditional, Roth, SEP and Educational Terms ranging from 30 days to 5 years and up
  • Various rates depending on term and amount
  • Please see a Personal Banker for more information

*Restrictions and overdraft fees may apply

**THE INSURANCE OFFERED IS NOT A DEPOSIT, NOT FDIC INSURED, NOT AN OBLIGATION OF OR GUARANTEED BY THE FINANCIAL INSTITUTION OR AN AFFILIATE, AND NOT INSURED BY ANY AGENCY OF THE U.S.