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Personal Banking
Savings and Investments
- Regular Savings
A basic savings account wtih a small minimum balance requirement that earns you interest.
- VIC Savings
A required balance is needed for this account. However, it entitles you to a variety of benfits, some of which include a higher rate of interest than our regular savings, newsletter, various trips and group activities.
- Christmas Club
This account is a savings plan for your Christmas expenditures. Your account balance plus interest is mailed to you by check in November for your holiday shopping.
- Money Market
The Money Market Account is an attractive interest bearing savings account with tiered rates of interest, and limited check writing privileges.
- Certificate of Deposit (CD)
This is a type of investment account with a fixed term and generally a minimum of $500.00 initial deposit. The interest rate is set at the time the account is opened and remains the same throughout the term
- IRAs, Education and Health Savings Accounts
Houghton State Bank offers a competitive variable rate. You will enjoy flexibility, security, a great rate, no annual fee and no risk of loss.
- Kirby's Kids Club Savings
A special "kids only" savings accoutn for ages 0-18 years with extra perks for kids 12 an under. Variable interest rates are tiered to encourage our youth to save.
- CDARS®
Through the CDARS service, we can provide you with easy access to multi-million dollar FDIC protection for your investments.
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