Personal Savings Accounts

We do everything possible to raise your interest level

In an expensive world, saving money can be something of a challenge. At Midstates Bank, we make it a little less so. Take advantage of a range of savings options, so you can create a strategy that works for you in the short run and over the long haul.

All of our accounts feature:

  • Online Banking
  • Mobile Banking with our highly rated app
  • eStatements that are easily and securely accessible
  • Low or no monthly fees
  • Call and talk to a live representative or bank completely digitally
  • Access live text customer support from 7 am to 7 pm


Savings Account

Set aside money for unexpected expenses, major purchases, long-term financial security - or a well-deserved splurge.

  • $100 minimum opening deposit
  • Earn competitive interest
  • $5 quarterly balance fee in service charge - waived if you keep your average daily balance above $100;
  • Balance fee in service charge is waived for savers under 22 years old
  • 18 withdrawals per quarter; $2 per withdrawal over the limit 
  • Build your balance by scheduling automatic transfers through Online Banking
  • Easy access to funds through digital tools or the Midstates Bank ATM network

Money Market

Earn more with a sure-fire investment that out-paces most traditional savings accounts.

  • $1,000 minimum opening deposit
  • $15 monthly balance fee in service charge- waived if you keep your average daily balance above $1,000
  • 18 withdrawals per quarter; $2 per withdrawal over the limit 
  • Tiered interest on all balances 
  • Easily access funds with checks, through digital banking tools, or at Midstates Bank locations
  • Good choice for everyday savers moving beyond traditional accounts or seasoned investors looking to balance their portfolios

Certificates of Deposit

Your patience is rewarded with higher returns when you set aside money for a set period of time.

  • Choose CD terms from three months to 5 years; see Featured CDs
  • Minimum $500 to open
  • No monthly service charge fee
  • Fixed rates allow you to calculate exactly how much you'll earn when your CD matures
  • Track your CD's growth through Online Banking
  • Easily arrange for CDs to roll over or funds to be deposited in other Midstates Bank accounts

Midstates Bank is a full-service financial institution with branches throughout western Iowa.
Male couple playing with their daughter on a seesaw in the park.

Unlock the potential of tax-free health savings.

An HSA account allows you to save for future healthcare needs while reducing your taxable income. Take control of your health and your wallet.