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Personal Savings


While some of our checking account options include interest earned based on the balance of your account, we also offer a variety of savings accounts designed for longer term growth of your savings!

Regular Savings

  • $50 minimum opening deposit; unlimited deposits.
  • $1.00 minimum daily balance to obtain stated APY.**
  • Limited by law to six (6) preauthorized or automatic transactions monthly; unlimited transfers are available between accounts of the depositor when made in person or by mail.
  • Three (3) free withdrawals per month; additional withdrawals are $1.00 each.
  • $1.00 monthly service charge waived if $50 minimum daily balance is maintained.
  • No fee ATM card available with acceptable credit. Card transactions at standard pricing.
  • Other services at standard pricing.

Money Market Gold

  • $2500 minimum opening deposit; unlimited deposits.
  • $1.00 minimum daily balance to obtain stated APY.**
  • Tiered rate account.
  • Limited by law to six (6) preauthorized or automatic transactions monthly; unlimited transfers are available between accounts of the depositor when made in person or by mail.
  • Transactions in excess of six (6) are $1.00 each.
  • $8.00 monthly service charge waived if $2500 minimum daily balance is maintained.
  • No fee ATM or Visa® Check card available with acceptable credit. Card transactions at standard pricing.
  • Other services at standard pricing.
  • Monthly imaged statement.

Certificates of Deposit (CD)

  • $1000 minimum opening deposit.
  • CD's are available for periods of 31 days to 48 months.
  • Interest rates/APY vary in accordance with term of CD*.

Individual Retirement Accounts

  • $100 minimum opening deposit.
  • All CD terms available, as indicated above, as well as 18 Month Variable Rate (IRA only).
  • Interest rates/APY vary in accordance with term of CD*.

*All Certificates of Deposit require a minimum daily balance of $1.00 to obtain the disclosed APY. All IRAs require a minimum daily balance of $1.00 to obtain the disclosed APY. Crediting and compounding frequency varies with the term. Interest begins to accrue no later than the business day when you deposit non-cash items. Interest is compounded using the daily balance method by applying a periodic rate to the full amount of principal in the account each day. Closing the account before interest is credited will forfeit the accrued interest. A penalty may be imposed for early withdrawal. Transfers or rollovers from a Bank of Hays IRA will be assessed a $25 fee. Fees on all accounts may reduce earnings.

**All interest checking and savings accounts are variable rate accounts with the interest rate and Annual Percentage Yield subject to change at any time by any amount at bank's discretion. Interest is compounded and credited monthly. Interest begins to accrue no later than the business day you deposit noncash items. Interest is compounded using the daily balance method, by applying a periodic rate to the full amount of principal in the account each day. Closing the account before interest is credited will forfeit the accrued interest. We reserve the right to require not less than 7 days written notice before any withdrawal from an interest-bearing account other than a time deposit or demand deposit, or from any other savings account as defined by Regulation D. Fees on all accounts may reduce earnings.

All Savings

Statements are provided quarterly. If an account is affected by an electronic transaction, a statement will be provided during any month in which such a transaction occurs, but no less than quarterly. See bank provided rate sheet for current rates on accounts described.