Personal Savings Accounts 

At the Stephenson National Bank & Trust,

we have a savings account for everyone … and every season!

Prime Savings

 Statement Savings

Minor Savings

Junior Savings

Club Accounts

Prime Savings ($5,000 deposit to open) 

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Ø      Balance of $5,000 or more pays an interest rate of one-half of Prime Rate as quoted in the Wall Street Journal.

Ø      Interest compounded monthly.

Ø      $10 fee if account is closed within three months of opening date.

Ø      Interest rate on balances over $5,000 may change at our discretion.

Ø      Refer to Deposit Rates for current interest rates.

Ø      FDIC insured.

Statement Savings ($50 deposit to open) 

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Ø      $50 minimum balance required to obtain the disclosed annual percentage yield.

Ø      $100 minimum balance requirement to avoid $1 per month service charge.

Ø      Interest compounded quarterly.

Ø      Interest credited to the account quarterly.

Ø      $10 fee if account is closed within three months of opening date.

Ø      Interest rate and annual percentage yield may change daily at our discretion.

Ø      Refer to Deposit Rates for current interest rates.

Ø      FDIC insured.

Minor Savings ($25 deposit to open)

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Ø      $50 minimum balance required to obtain the disclosed annual percentage yield.

Ø      Interest rate and annual percentage yield may change daily at our discretion.

Ø      Interest compounded quarterly.

Ø      Interest credited to the account quarterly.

Ø      Automatically converts to a regular savings account when account holder reaches the age of 18.

Ø      $10 fee if account is closed within three months of opening date.

Ø      Refer to Deposit Rates for current interest rates.

Ø      FDIC insured

Junior Savings ($10 deposit to open)

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Ø      $10 minimum balance required to obtain the disclosed annual percentage yield.

Ø      Interest rate and annual percentage yield may change daily at our discretion.

Ø      Interest compounded quarterly.

Ø      Interest credited to the account quarterly.

Ø      $10 fee if account is closed within three months of opening date.

Ø      Automatically converts to a regular statement savings account when account holder reaches the age of 18.

Ø      Earn fun prizes for making deposits.

Ø      Refer to Deposit Rates for current interest rates.

Ø      FDIC insured.

Club Accounts ($5 deposit to open)

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Ø      Back-to-School Club – principal and interest paid annually each July.

Ø      Christmas Club – principal and interest paid annually each October.

Ø      Sunny Day Savings – principal and interest paid annually each March.

Ø      Winter Vacation Club – principal and interest paid annually each January.

Ø      Ability to establish automatic deposits to account from checking or savings

Ø      Interest rate and annual percentage yield may change daily at our discretion.

Ø      Simple interest credited to the account annually.

Ø      $5 minimum balance required to obtain the disclosed annual percentage yield.

Ø      $10 fee if account closed anytime during the club term.

Ø      Refer to Deposit Rates for current interest rates.

Ø      FDIC insured.