Personal Savings & Earning Accounts

Save, earn, and secure with Guthrie County State Bank

Choose from several account options with competitive local interest rates to help you save and earn. From accounts to help you teach your children learn healthy savings habits to higher-tier money market accounts, there is an account to fit your needs.

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Savings accounts

How much can I earn with a savings account?

The information and analysis provided by these calculators is for illustrative purposes only. The figures shown are theoretical and may not be applicable in all situations. Consult a financial professional prior to relying on the results. The accuracy of the calculated results is not guaranteed and is intended for illustrative purposes only.

Learn more about interest rates.

Essential Savings

A classic savings account, establish a habit of saving and thank yourself later as you grow an emergency fund, account for big purchases, or other financial needs.

Details

  • $200 minimum opening deposit
  • Earn interest with $2,500 average daily balance
  • Six fee-free debit transactions per month
  • Maintain a $200 average balance to avoid a $10 service charge per month.
  • Interest paid quarterly based on average balance per quarter
  • ATM Card for $1 a month

 

Emerging Savings

Created for those in the practice of saving, the GCSB Emerging Savings product boasts a better interest rate for those maintaining a higher account balance.

Details

  • $2,500 minimum opening deposit
  • Maintain a $2,500 minimum balance to earn interest
  • Six fee-free debit transactions per month
  • Maintain a $2,500 average balance to avoid a $10 service charge per month.
  • Interest paid quarterly based on average balance per quarter
  • ATM Card for $1 a month

 

Edge Money Market Savings

For those planning on retaining a five-figure savings balance, leverage your savings to reap the benefits of increasing your worth with flexibility and competitive tiered interest rates.

Details

  • $10,000 minimum opening deposit
  • Six fee-free debit transactions per month
  • Tiers for interest of $10,000-$25,0000; $25,000-$50,000; $50,000+
  • Maintain $10,000 average balance to avoid $20 service charge each month
  • ATM card/checks optional
  • ATM card $1 a month

 

Elite Money Market Savings

For customers utilizing other GCSB services and maintaining a high account balance, opening an Elite Money Market Savings Account can maximize the benefits of increased interest rates.

Details

  • Must also have a primary checking account, debit card, and online banking with GCSB
  • Free ATM Card
  • No service fees or activity fees
  • Monthly and quarterly transaction statements
  • $50,000 minimum opening deposit
  • ATM card/checks optional
  • Tiers for interest of $50,000-$100,000; $100,000-$250,000; $250,000+

 

What does it mean for an account to be FDIC-Insured?

Learn About FDIC

Bank accounts for kids: P.A.W.S. Savings & CD Accounts

Nurture an understanding of money and saving in your kids with a Pennies are Worth Saving (P.A.W.S.) Savings account or CD. Saving accounts are available for customers ages 0-23, and the account may be converted to a P.A.W.S. CD at age 18 with a minimum opening deposit of $500.

P.A.W.S. Savings Details:

  • No minimum balance or opening deposit
  • Rewards for deposits – 12 deposits earn a reward
  • Choose paper or paperless statement
  • Coin counter located at both Guthrie Center and Panora locations
  • No charge for ATM card
  • Require a parent or legal guardian to be a joint account holder

P.A.W.S. CD Details:

  • Minimum opening deposit of $500
  • Select your desired maturity term from three to 60 months.
  • FDIC-insured with penalties for early withdrawal

 

Balance your finances with additional services from GCSB

Real Estate Loans
Mobile & Online Banking
Checking Accounts