Savings

We have options to meet your savings needs; from a Savings Account, to CDs, to Money Markets, to Investment Accounts. We will work with you to decide which best meets your needs. No cookie cutter banking at The Stephenson National Bank & Trust! 


Statement Savings:

Are you looking for an uncomplicated, basic Savings Account? Whether you’re just beginning to save, want savings accessible for unexpected expenses, or helping a child save, our Statement Savings is an all purpose account.

Enjoy these account benefits:

  • Allowed unlimited in-person withdrawals or transfers
  • Can be utilized for Overdraft Protection for a checking account

Plus these additional eBanking services:

Minimum balances and account requirements:

  • Minimum opening deposit/balance of $250 ($25 if minor under the age of 18)
  • Interest earning (minimum balance of $50 required to earn posted APY).
    Please refer to our rate chart for current rates
  • Six (6) preauthorized withdrawals allowed per month
  • $10.00 each preauthorized withdrawal* in excess of 6 per month 
$5 service charge if requirements are not met (fee waived if minor under the age of 18 ) 


Ready to make the switch? Try our Switch Kit
*Read the full Statement Savings Disclosure


Health Savings Accounts:

An option for tax-deductible contributions and tax-free distributions using your qualified Health Savings Account (HSA). An HSA not only helps you get a handle on rising health care costs, but also provides a tax-advantaged way to save. Learn more...


Certificate of Deposit (CD):

Want to earn more interest and don’t need immediate access to the funds? Consider a CD, which has a guaranteed interest for the entire term of the investment plus your investment is guaranteed by the Federal Deposit Insurance Corporation (FDIC). We offer a wide variety of terms to meet your needs. Please refer to our rate chart for current rates. Contact a Personal Banker to discuss the CD rates & terms to determine what fits best with your needs.


Investment & Trust:

Interested in expanding your earning potential? SNBT takes a different approach than other investment providers; we feel it is critical to take the time to get to know you, your concerns, goals, and needs. Our goal is to simplify your financial life by customizing a portfolio specifically designed to meet your objectives. We offer a full array of investment vehicles, which means we can partner with you to customize a plan that fits your comfort level, needs and goals.