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Midstates Bank


When it comes to saving money, Midstates Bank knows how to help.  Whether you are starting to think about colleges or retirement, there are accounts for every stage.

Savings Accounts

With so many ways to help you save, use the chart to find out how a savings account could be right for you.

CDs (Certificates of Deposit)

Choose a CD that suits your investing needs with a rate and term that's right for you. See Current Rates.

Traditional IRA

Bring on the future and smart savings for your retirement with an IRA featuring tax-deferred growth of earnings and tax deductible contributions. Consult a tax advisor for further IRA information. 

Health Savings Accounts

A Health Savings Account (HSA) featuring tax deductible contributions and tax-free payouts for qualified medical expenses puts you in control of your health care costs. Consult a tax advisor for further HSA information. Use the chart below or view FAQ.
Scroll to the left to view the rest of the table.





Money Market

Christmas Club Savings   

Health Savings Account


Ideal account if you want

Flexibility and convenience for your savings goals
Potential to earn higher interest rates as your balance grows
Turn holiday shopping into a smart savings plan To maximize your qualified High Deductible Health Plan (HDHP)

Minimum to open

$100 $1000 $.01 $.01

 Minimum balance

 $100 average monthly $1,000   $.01    $.01

 Service fee

$5 / quarter
$15 / month FREE $1.50 / month 

Option to waive fee

Average daily balance above minimum
Average daily balance above minimum    

Online banking


Mobile app


Bill Pay



 Earns Interest

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Home Lending

Whether you are refinancing or buying a new home, we'll be by your side.