Regular Savings

A basic savings account with a small minimum balance requirement that earns you interest.

The perfect account to build your nest egg with easy access.

Christmas Club

This account is a savings plan for your Christmas expenditures.

Deposits may be made to this account with a coupon book or automatic transfers from an existing Houghton State Bank account. You may start the club with as little as $1.00 a week.

Deposits to this account are accepted beginning the second Monday in November through the last Friday of the following October. However, you may join the Christmas Club at any time throughout the year.

A Christmas Club check will be issued at the end of the term for principal and interest.

Kirby's Kids Club Savings

Let us help you teach your child or grandchild the value of saving! Kirby's Kids Club savings account is a fun way to get your child excited about saving. Each new account will receive a Bonus $5.00 interest deposit with an opening deposit of $5.00 or more.

Each new account will also receive a coin bank.

Savings Rewards

  • A prize from the "Silver" prize box with each deposit of $5.00 or more
  • A prize from the "Gold" prize box each time the account balance increases by $100.00

Money Market

The Money Market Account is an attractive interest bearing savings account with tiered rates of interest, and limited check writing privileges.

A tiered interest structure is in place for this savings account with a minimum balance of $2,500.00 to open.

This account is not accessible by ATM or Debit Card.