Savings & Certificates Whether you're saving for a major purchase, a dream vacation, a rainy day, health care expense coverage or retirement, State Central has a wide variety of savings options to fit your goals. For most accounts, a $5.00 membership share purchase is all you need to get started!   Share Savings Our most flexible account. Keep only $250 in the account and start earning dividends (interest). Monthly maintenance fees are waived with balances of $500 or more. Your savings funds are easily accessible through the ATM and Online Banking and can be used to cover checks from State Central's Conventional Checking account. Learn More  |  Check Rates  |  Account Fees  |  Apply Now     Money Market Accounts Receive a great amount of flexibility and high earning potential with State Central's Money Market Accounts! Open an account with $1,000 to start earning dividends immediately. The more you have in your account, the higher dividend (interest) rate you can receive. Access your funds anytime with Online Banking! Learn More  |  Check Rates  |  Account Fees  |  Apply Now     Club Accounts Club Accounts are special savings accounts established to save for Christmas shopping or vacation. A $50 account balance earns dividends (interest), and saving becomes easy with a regular payroll deduction or direct deposit into the account. Access to account funds becomes available on May 1 for Vacation Club accounts and November 1 for Christmas Club accounts. Learn More  |  Check Rates  |  Account Fees  |  Apply Now     Youth Accounts Even kids can learn the importance of saving money thanks to State Central's Youth Accounts! Earn dividends right away with absolutely no monthly maintenance fees! A parent or guardian acts as the joint owner of the account and can access the account through any ATM. Available to kids under the age of 18. Learn More  |  Check Rates  |  Account Fees  |  Apply Now     Individual Retirement Accounts (IRAs) Let State Central's IRAs become an important part of your retirement funding! Contribute pre-tax funds to a traditional IRA through a savings account or certificate. Roth IRAs are used for after-tax contributions and are available as savings accounts or certificates. State Central can also help you save for college with Education IRAs. Learn More  |  Check Rates  |  Account Fees  |  Apply Now     Health Savings Checking Save for future medical expenses and enjoy tax- and penalty-free withdrawals thanks to State Central's Health Savings Checking Account! Your contributions to a State Central Health Savings Checking account are tax deductible. Use the Health Savings Account (HSA) Debit Card, powered by VISA, to easily make withdrawals to cover qualified medical expenses. Learn More  |  Check Rates  |  Account Fees  |  Apply Now     Certificates State Central offers a variety of certificate terms ranging from 60 days to 5 years. Invest as little as $1,000 in a certificate and enjoy higher dividend (interest) rates than most other savings accounts. Rates remain the same throughout the entire certificate term. Learn More  |  Check Rates  |  Account Fees  |  Apply Now     Back To Top