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.

  • Minimum opening deposit of $50 ($10 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
  • Bank Online
  • e-Statements
  • ATM card
  • Minimum balance of $100 to avoid monthly service fee of $3 (fee waived if minor under the age of 18)
  • Allowed unlimited in-person withdrawals or transfers
  • Six (6) pre-authorized withdrawals allowed per month
  • Can be utilized for Overdraft Protection for a checking account
  • Additional services available
  • Ready to make the switch? Try our Switch Kit

Progressive Money Market:

Would you like to earn a higher rate of interest than a Statement Savings Account, yet still need access to your funds? The Progressive Money Market allows you to increase interest earnings plus allows limited check writing capabilities.

  • Required minimum balance is $10,000
  • Tiered rates let you earn more money as you move into higher interest tiers. Please refer to our rate chart for current rates
  • Unlimited in-house withdrawals and transfers 
  • Allowed six (6) pre-authorized withdrawals per month
  • No monthly or transaction fees if required minimum balance maintained*
  • Bank Online
  • e-Statements
  • Additional services available
  • Ready to make the switch? Try our Switch Kit
*$10 per month if balance is below $10,000

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.