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Savings & Retirement

Savings, Investments and IRAs

Regardless of how you decide to save or invest your money, we can match your savings goals with our insured savings accounts and certificate of deposit accounts. Compare our FDIC-insured savings or CD options, or take a look at non-FDIC insured investments and insurance products, available through our service partner, Cetera Investment Services.

Planning for retirement today gives you peace of mind tomorrow. Our Individual Retirement Accounts (IRAs) and other carefully planned options help you navigate toward the lifestyle you want when you retire. Consult your tax advisor for complete tax details

Financial Resources

Current Interest Rate Information

Financial Calculators

Find the savings plan that's right for you... take a look at the chart below.

Account Type Monthly Service Fees Additional Account Information
Basic Savings Account *
A basic savings account for moderate savers.

No fee for individuals under age 18
None, when you maintain an average balance of $200 or more. If the average balance falls below $200, the monthly service charge is $2.00.
  • On-Line Banking
  • Mobile Banking and Mobile Deposit
  • Electronic statements 1
  • Variable rate of interest subject to change
  • Up to four free withdrawals per month 2
more info
Premium Savings Account *
A savings account with tiered rates to meet all your savings needs.
None, when you maintain a daily balance of $2,500. If the balance falls below $2,500, the monthly service charge is $15.00 and no interest is earned.
  • On-Line Banking
  • Mobile Banking and Mobile Deposit
  • Electronic statements 1
  • Variable rate of interest subject to change, no interest earned on balances of less than $2500.
  • Tiered rates of interest at $2,500, $10,000, $25,000, $50,000 & $100,000
  • Up to six withdrawals per month 2
more info
Lake Region Good Neighbor Club *
Designed to meet the needs of customers ages 50 or better; this savings account has tiered rates.

None, when you maintain a daily balance of $2,500. If the balance falls below $2,500, the monthly service charge is $15.00 and no interest is earned.
  • On-Line Banking
  • Mobile Banking and Mobile Deposit
  • Electronic statements 1
  • Variable rate of interest subject to change; no interest earned on balances below $2,500
  • Tiered interest rates at $2,500, $10,000, $25,000, $50,000 and $100,000
  • Up to six withdrawals per month 2
  • 3 official checks per month at no charge
  • Discounted safe deposit boxes
  • Travel discounts available
more info
Kids Cash Club
This is a Lake Region Basic Savings Account, specially designed for ages 12 and under, with no minimum balance requirement.
None
  • Kids Cash Club members receive a punch on their Kids Cash Club Punch Card for each $10.00 deposit made into a savings account with a maximum of 10 punches per month. When your Punch Card is filled, it can be redeemed for $5.00 Kids Cash. Spend your Kids Cash at any participating business for the prize of your choice.
more info
Certificates of Deposit and IRAs
When you know how long you want to save your money. Term options as short as 6 months up to 60 months. Ask your banker for current specials.

IRA plans...choose from special CDs or savings accounts and save for your retirement.

Additional IRA plans are available. Ask your banker for details.
Minimum investment varies by term
  • Early withdrawal penalties will be imposed for early withdrawal of your certificate of deposit.
  • Additional penalties may apply for early withdrawal from IRAs.
more info

* Fees may reduce earnings on these accounts

1 Quarterly paper statement fee of $3 with option of images of your withdrawal and deposit slips.
2 $1 per withdrawal after limit is reached with a maximum of six allowed per month.