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Savings

P A W S Savings Account (Pennies Are Worth Saving)

Start money saving habits early with a P.A.W.S. account for customers ages 0 – 23 years. The money invested in the savings account will be safe as it earns interest.

  • No minimum balance or opening deposit
  • Lower minimum balance ($500) to open a Certificate of Deposit for a higher rate of interest
  • Rewards for deposits
  • Choose free e-statement or printed statement
  • Coin counter located at both Guthrie and Panora locations
  • No charge for ATM card
  • P.A.W.S. Rewards — every deposit earns a stamp and 12 stamps earn a reward. Four prize levels encourage continued saving! Double stamp week the third week of
  • each month.
  • P.A.W.S. accounts require a parent or legal guardian to be a joint account holder.

Essential Savings

Pay yourself first by building a savings account as an emergency fund, for big purchases, or other financial needs.

  • $200 minimum opening deposit
  • Maintain a $200 average balance to avoid a $10 service charge per month
  • Earn interest with $2,500 average daily balance
  • Interest paid quarterly based on average balance per quarter
  • $2 fee for debit transactions after six per month
  • Limit of six electronic transactions per month
  • ATM card — $1 per month

Emerging Savings

Protect your nest egg with an FDIC-insured savings account that provides security and access when needed.

  • $2,500 minimum opening deposit
  • Maintain a $2,500 average balance to avoid $10 service charge per month
  • Maintain a $2,500 minimum balance to earn interest
  • Interest paid quarterly based on average balance per quarter
  • $2 fee for debit transaction after six per month
  • Limit of six electronic transactions per month
  • ATM card — $1 per month

Edge Money Market Savings

Ready to maintain a five figure savings balance and capture the benefits that come with it? This might be the savings account for you.

  • $10,000 minimum opening deposit
  • Maintain a $10,000 average balance to avoid $20 service charge per month
  • $2 fee for debit transaction after six per month
  • ATM card/checks optional
  • ATM card — $1 per month
  • Three tiers for interest — $10,000–$25,000; $25,000–$50,000; $50,000+
  • Monthly statement, option for quarterly

Elite Money Market Savings

Full service Guthrie County State Bank customers will appreciate the benefi ts of the Elite account.

  • Elite Money Market customers must also have a primary checking account, debit card and online banking relationship with Guthrie County State Bank
  • Free ATM card
  • ATM card/checks optional
  • $50,000 minimum opening deposit
  • No service fee or activity fee
  • Earns interest with balances over $50,000
  • Three tiers for interest — $50,000–$100,000; $100,000–$250,000; $250,000+
  • Monthly statement, option for quarterly