Savings

Saving Accounts & CDs

Compare Personal Savings Account Options

Planning for the future, whether short- or long-term, is always financially smart. And it’s never too early—or late—to begin saving for your goals. Start your emergency, vacation, or college fund today with one of our solutions below. Depending on which account is right for you, apply online or contact us to get started. View all your State Bank of Cross Plains accounts using our digital banking solutions.

Click the arrows at the bottom to compare products.

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Best if you want a great way to start your children on a savings plan

Must be under the age of 18

  • No minimum opening balance
  • No minimum daily balance
  • No monthly maintenance fee
  • Monthly & quarterly account statements
  • Earns Interest
  • Other fees may apply1

Best if you want a great place to save for a special purchase with a low minimum balance

  • No minimum opening balance 
  • Earns Interest
  • Monthly account statements 
  • $750 minimum daily balance required to avoid monthly maintenance fee
  • $2 monthly maintenance fee if balance is below $750 and no deposit is made during statement period
  • Other fees may apply1

Best if you want all the benefits of a savings account with limited check writing privileges

  • No minimum opening balance 
  • Earns Interest at tiered interest rate
  • Monthly account statements 
  • $2,500 minimum daily balance
  • $11.95 monthly fee
  • Other fees may apply1

Best if you want to save for health care expenses, with the added benefit of tax savings and reduced health care costs

  • No minimum opening balance
  • No minimum balance required 
  • No monthly maintenance fee
  • Monthly account statement 
  • Earns Interest at tiered interest rate

Fixed-Rate Certificate of Deposit

Certificates of deposits2 , or CDs, are low-risk investments for money you don’t need for several months or years. We offer:

  • Terms from three months to five years
  • Fixed interest rate paid on entire balance
  • Quarterly paid interest
  • Automatic renewal terms and customizable terms 
  • Checking with no monthly fee for those who qualify
  • With a $2,500 minimum opening balance, you can start growing your money and your financial future

Have questions or ready to get started with a CD? Contact us today. 

Individual Retirement Accounts

If you’re looking to plan for the long-term future, IRAs can help you save more for retirement. Traditional and Roth IRA benefits and features include:

  • Tax-free growth on Roth IRAs 3 
  • Tax-deferred growth on Traditional IRAs 4 
  • "Catch-up" contributions available for individuals age 50 and over 
  • Certificate of Deposit, Variable Rate, and Money Market IRA options available 
  • Small minimum opening balance of $50 for Money Market IRAs

  • Interest compounded quarterly

Interested in getting started? Reach out to us today!

The Freedom to Bank from Anywhere

A world of options, right at your fingertips. Never lose access to your money and always be connected to great service.

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1 Click here for a complete list of account fees and options
2 Penalty for early withdrawal on Fixed Rate Certificate of Deposit accounts 
3 Penalty for early withdrawal on Roth IRAs. Variable Rate IRA interest rates are adjusted quarterly
4 Traditional IRA contributions may be tax deductible. Please consult your tax advisor for more information. Maximum annual contribution limits regulated by law. Tax-advantaged growth available to qualified individuals.