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Simple Savings

Tried and true. No frills.

“To be simple is to be great.”
— Emerson

A truly simple savings account for personal and business banking customers.

  • $100 Minimum Opening Deposit
  • $50 Minimum Balance Requirement*
  • Earns Interest
  • Online and Mobile Banking
  • Your Choice of Paper or Electronic Statements

22nd State Money Market

With higher interest rates than a savings account and limited withdrawal abilities, 22nd State’s money market account offers the benefits typical of both savings and checking accounts.

A smooth blend of the best in savings and checking.

  • $500 Minimum Opening Deposit
  • $1000 Minimum Balance Requirement*
  • Interest increases as your balance increases
  • Online and Mobile Banking
  • Can be linked to 22nd State checking accounts to provide overdraft funding
  • Your Choice of Paper or Electronic Statements

22nd State Certificates of Deposit (CDs)

No need for a clever line here — a 22nd State CD is just a good idea.

Deposit your money here for a short amount of time — as little as 6 months. For that time, your money is harder to access but isn’t that what saving is for? Customers can expect significantly higher interest rates than regular savings accounts.

22nd State offers a wide selection of CDs to meet all of your needs without the risk of investment securities.

Visit one of our branches for the most up-to-date rates and to discuss the best plan for you.

Always Forward IRAs (Individual Retirement Plans)

Invest in your future; invest in your retirement.

Earn a higher rate of interest with these timed deposit accounts than with regular savings accounts. Let us help you prepare for your life after work.

For that purpose, 22nd State Bank offers several options to meet all of your retirement investment needs.

Visit one of our branches for the most up-to-date rates and to discuss the best plan for you.

Christmas Club Savings Account

It is difficult to remember to save months in advance. And, frankly, the holidays are stressful enough. Put aside money as the year goes on, small chunks at a time, and get ready for a stress-free Christmas!*

  1. A savings account ready to be opened and used when you need it most.
  2. Schedule direct deposits or put in money whenever you want.
  3. Unwrap the gift you made for yourself and buy for others with ease!

*Stress-free results not guaranteed.