Personal Savings Accounts

No matter your personal savings goals, Central State Bank has a personal savings account to help you meet them. We offer a variety of savings account types, all of which include helpful financial services for your convenience. Easily transfer money from your savings account to your checking account with online banking and mobile banking, and receive paperless statements with free e-statements.

Start earning interest and working towards your financial goals with Central State Bank! Learn more about our savings account options below:
Our standard savings account option is easy to set up and offers a variety of benefits including:

Our Freedom 250 Savings Account is a great option for customers who want to earn a higher interest rate than our other current savings accounts. This interest-bearing account is easy to set up and offers a variety of helpful benefits, including:

Open a Freedom 250 Savings Account today!

Central State Bank is proud to offer youth savings accounts for customers ages 12 to 18 years old. 
Start teaching kids smart savings habits early with our Lil Trojan savings account! This account is available for kids through the age of 12. Our kid's savings accounts include a range of benefits:








Additional Savings Account Options:

  • Certificates of Deposit (CDs): With a minimum deposit of $1,500, you can lock in a fixed interest rate for terms ranging from six months to five years, with the option to make additional deposits.
  • Money Market Accounts: These accounts offer higher interest rates than a traditional savings account and include the convenience of check writing.
  • IRAs: Building retirement savings starts with saving consistently over time. Central State Bank can help with our diverse retirement plan options, including Traditional IRAs, Roth IRAs, and SEP IRAs.

Discover the Benefits of a Local Bank

  • Earn and Grow: Watch your money work for you with our competitive interest rates, ensuring your savings grow safely and remain accessible.
  • Flexible Options: We provide a variety of accounts to suit your needs, from straightforward regular Savings to higher-yield Money Market Accounts, each with distinct features and balance requirements.
  • Banking at Your Fingertips: Manage your finances effortlessly with our user-friendly mobile and online banking platforms, featuring convenient mobile deposits and eStatements, allowing you access anytime, anywhere.
  • Transparent Value: Enjoy the benefit of no extra fees on most accounts when you maintain the minimum account balance, meaning more of your hard-earned money stays where it belongs.
  • Secure and Reliable: Your financial information is protected with secure banking technology, giving you added peace of mind.
  • Your Hometown Bank: As a community bank, our mission is your financial success. We're committed to listening to your goals, offering tailored guidance, and providing the right tools to help you achieve them. Your success is our priority.

Ready to Save Smarter? Let's Get Started

Central State Bank knows that your savings journey is unique. Whether you're taking your first steps, building a financial safety net, or planning for a significant purchase, we offer a diverse range of personal savings accounts designed to align with your individual goals and lifestyle. Our dedicated banking team is here to guide you in selecting the perfect account, backed by the security, convenience, and exceptional service that Central State Bank is known for.

If you’re looking for a high-interest savings account option, learn more about our Money Market Accounts. We also offer a variety of other account options, including IRAs and CDs (Certificates of Deposit). We also strive to offer the best savings account interest rates. View our savings account interest rates.

Start Reaching Your Savings Goals Today with Central State Bank

 

 

*IRAs are designed for retirement and other long-term savings and may be subject to early withdrawal and other tax penalties.

Please consult your tax professional for more information.