Save today. Grow tomorrow.
Whether you’re planning for life’s biggest milestones or simply preparing for the unexpected, we’re here to help you build a stronger financial future.
Every financial goal starts with a plan and a place to start saving. Whether you’re building an emergency fund, saving for a family vacation, preparing for retirement or teaching your children healthy financial habits, The First State Bank offers savings solutions designed to help you reach your goals.
With trusted teams in Norton, Plainville, Hill City, Hoxie and Holdrege, you’ll receive personalized guidance and hometown service every step of the way.
We offer a wide range of savings account options for every stage of life:
- personal savings accounts
- youth savings accounts
- golden years accounts
- certificate of deposit* (CDs)
- individual retirement accounts* (IRAs)
- health savings accounts
- money market accounts
Find the Right Way to Save
Personal Savings Account
A simple and secure way to grow your savings while keeping your money within reach. Personal savings accounts are ideal for emergency funds, short-term goals, everyday savings and building healthy financial habits.
- $25 minimum to open an account
- account earns interest
If balance falls below $25 at any time during the month, a $1 service charge will be assessed.
Youth Savings Club
It’s never too early to start building smart financial habits. Our youth savings account program is designed to lay the building blocks to a bright financial future. As they grow, the kids will learn the values of saving through our tiered membership levels by opening their first account, learning the basics of budgeting and financing future large expenses. Our team is committed to helping kids become expert savers.
With an opening deposit of only $10.00, we make saving easy. Contact your local branch to get started today.
Membership Benefits
- no minimum balance
- no service charges
- earns interest
Parent and Guardian Benefits
- Link your child’s savings account to your online and mobile banking for easy monitoring and oversight.
- Setup electronic allowance to automatically deposit funds into their savings account.
- Give your child limited, secure access to online and mobile banking so they learn how to monitor account activity.
- Sign up for text alerts to get notifications on low balances and large withdrawals.
Youth Savings Club Membership Tiers
Early Savers, ages 0 to 12
Start them on the right foot with basic financial education with The First State Bank’s Early Savers Youth Saving Club. Our team will make a $5 annual birthday deposit for our Early Savers. An adult joint owner is required for these accounts.
Exceptional Savers, ages 13 to 19
Our exceptional savers receive intermediate financial education to help them plan for their future. Teens in the exceptional savers tier also qualify to open a personal checking account. Plus, they receive graduation gifts for grades 8 and 12 from The First State Bank with proof of a certificate.
Expert Savers, ages 20 to 24
When our exceptional savers reach the age of 20, they are eligible for our expert savers membership tier. The account owners receive advanced financial education, special lending offers and post-secondary graduation gifts from The First State Bank with proof of a certificate.
Youth Savings Forms
*All account opening guidelines apply. Joint owner required on accounts with owners under 13 years old. No monthly service fees or minimum account balance required. Must be under the age of 18 at account opening. Minimum opening balance of $10.00 required. When account owner turns 25, the terms and structure will automatically convert over to a Personal Savings Account. Club benefits are limited to one account per customer. Membership eligibility and product restrictions apply and are subject to change.
Golden Passport Savings Program
Our Golden Passport Savings Program is exclusively for our customers 55 years and better. As a member of the program, you will have access to a special selection of financial products and bonus services designed specifically for you.
Passport members must maintain a minimum of $2,500 in any combination of deposit accounts.
Program Benefits
- Free Golden Passport checks (shipping not included)
- ATM/Check card
- Free cashier’s checks
- Free notary service
- Free checkbook reconciliation
- 30% discount on safe deposit boxes
- Exclusive travel services
Certificates of Deposit* (CDs)
Looking for a predictable way to grow your money? CDs offer competitive fixed interest rates for a set term, making them a great option for planned savings. CDs are ideal for long-term savings, guaranteed returns and future purchases. The First State Bank offers regular CDs and College Saving CDs.
- $1,000 minimum to open a regular CD
- $25 minimum to open a college saver CD
- Term options include 30 days to 60 months
- Accounts earn interest
Individual Retirement Accounts* (IRAs)
Plan for tomorrow with retirement savings options designed to help you prepare for the years ahead. Our IRAs are ideal for retirement planning, long-term investing and tax-advantaged savings. The First State Bank offers traditional IRAs, ROTH IRAs, simple IRAs and SEP IRAs.
- $1,000 minimum to open an IRA account
- Term options include 30 days to 60 months
- Accounts earn interest
Health Saving Account (HSA)
Take control of your healthcare expenses with a Health Savings Account (HSA) from The First State Bank. Designed for individuals enrolled in qualified high-deductible health plans (HDHP), an HSA allows you to set aside money for eligible medical expenses while enjoying valuable tax advantages.
Whether you are planning for routine healthcare costs or preparing for unexpected medical expenses, an HSA can help you save today while investing in your future health and financial well-being.
There is no minimum requirement to open an account. HSAs are interest-bearing accounts with all fees waived, excluding overdraft fees. To qualify, customers must provide proof of an HDHP plan.
Benefits of an HSA
- tax advantaged savings for qualified medical expenses*
- funds roll over year after year allowing you to build long-term savings
- your account stays with you, even if you change employers or retire
- convenient access to your funds when you need them
- a smart way to prepare for current and future healthcare expenses
*Eligibility requirements and IRS contribution limits apply.
Money Market
If you are looking for a savings account option that earns interest while giving you convenient access to your funds, a money market account from The First State Bank might be right for you.
Whether you are building an emergency fund, saving for a major purchase or setting aside cash for future investments, a money market account can help your money grow while remaining easily accessible.
Money Market Account Benefits
- Competitive interest rates to help grow your savings
- Easy access to your funds when you need them
- A secure account for larger savings balances
- FDIC-insured deposits up to applicable limits
- Online and mobile banking for convenient account management
- Personalized service from your local bankers
- Free debit card or school mascot card
- Money Market Account Requirements
- $2,500 minimum to open
- No service charge unless account falls below $2,500
- $10 service fee for balances below $2,500
*For all Certificates of Deposit and IRAs, interest is compounded using the daily balance method by applying a periodic rate to the full amount of principal in the account each day. Closing the account before interest is credited will forfeit the accrued interest. A penalty may be imposed for early withdrawal.
