Certificates of Deposit (CD)

Certificates of Deposits are a type of savings account with a fixed term and generally a minimum of a $1,000.00 initial deposit. The interest rate is set at the time the account is opened and remains the same throughout the term. There may be a substantial penalty for early withdrawal.

IRA Savings/SEP Plans

Houghton State Bank is pleased to offer a variable rate on an IRA savings account at a competitive rate of interest for all your retirement needs as well as SEP accounts.