Iowa State Savings Bank

Personal Savings

A place to set money aside with purpose

Savings should be easy to manage and built around what you are working toward.

Our options are designed to give you flexibility, structure, or long-term growth depending on what you need.

Open your account

Open your account online in just a few minutes or stop in and we will walk through it with you.

Open your account

Visit a location

Contact a banker

Savings for everyday use and short-term goals

Balance Builder Savings

For starting to build savings with flexibility and no minimum balance.

  • No minimum balance 
  • Earn interest on your balance 
  • No ongoing requirements

 

 

Open Account

See account details

Reserve Savings

For setting money aside as a backup and helping protect your checking account from overdrafts.

  • No minimum balance
  • Linked to checking to cover your balance when needed 
  • Earn tiered interest on your balance 

Open Account

See account details

Money Market

For higher balances with flexible access to your funds.

  • Earn tiered interest on your balance 
  • Unlimited withdrawals and in-bank transfers 
  • No minimum balance

 

Open Account

See account details

Christmas Club

For setting money aside throughout the year for holiday expenses.

  • Structured savings throughout the year 
  • Funds available before the holidays 
  • Automatically renews annually

 

Open Account

See account details

Options for setting money aside for a fixed period

Certificates of Deposit (CDs)

Fixed rate and predictable return when you want to sent money aside longer.

  • Fixed terms with guaranteed rates 
  • Higher rates than standard savings 
  • Designed for funds you do not need immediate access to 

View CD options

Accounts for healthcare and retirement planning

Health Savings Account (HSA)

For managing healthcare expenses with tax advantages when paired with a qualifying plan.

Learn more about HSAs

Individual Retirement Accounts (IRAs)

For long-term retirement savings with tax advantages.

Learn more about IRAs

Savings for kids

ISSBee Savings Club

Designed for younger savers with a simple structure that helps them get started.

Learn More

© 2026 Iowa State Savings Bank. All Rights Reserved.