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Personal Savings

Statement Savings - Open Your Statement Savings Account Today

A basic savings account that allows daily access, earns interest and has quarterly statements. Open your account with as little as $10. You can waive monthly fees by maintaining a minimum balance, and there is no service charge if the account holder is under 18 years of age.

  • Earn a competitive rate of interest
  • No maturity date, so funds are readily available
  • Convenient, easy access to your account (in person, Ameriana Action Line, Ameriana Online 24, Mobile Banking App)
  • Numerous deposit options (night, mail, direct deposit, Mobile Check Deposit1)
  • Receive quarterly statements for easy record keeping (monthly if there are electronic transfers)
  • FDIC Insurance

Health Savings Account (HSA)

Combined with a High Deductible Health Plan (HDHP), an HSA is an alternative to traditional health insurance. 

  • Save for health expenses on a tax-free basis
  • Unused funds are carried over from year-to-year, so there's no risk of losing your money
  • Your funds earn tax-deferred interest over the life of the account
  • The account remains with you, even if you switch employers
  • Contributions may be tax-deductible
  • You have the flexibility to pay current medical expenses or save for future needs
  • Your HSA distributions and interest earned are tax-free if you use them to pay for qualified medical expenses.
  • FDIC Insurance

Certificates of Deposit

Earn a higher rate of interest than standard savings accounts with an Ameriana certificate of deposit. There are a variety of terms available, from 91 days to up to seven years, and your funds are insured by the FDIC.

You can:

  • Receive your choice of interest payment options
  • Automatically renew
  • Borrow against your funds at a very low rate of interest

To learn more about our interest rates and investment options, please contact your local banking center or contact Customer Care at 800-487-2118.


Loadable CDs

Start a disciplined savings plan with an Ameriana Loadable CD. It offers a higher interest rate than a traditional savings account with the flexibility to add money into it at any time. Here's some more good news:

  • Earn a higher APY with a monthly automatic transfer of $50 or more
  • Unlike a "traditional" CD, deposits are at a guaranteed rate
  • Open an account with as little as $100
  • Earn more interest than a regular savings account

Automatic transfer must be set up at account opening to receive a higher rate. Interest payable at maturity. Penalty for withdrawal is all accrued interest at time of withdrawal. Withdraws within the first six days after account opening will be charged seven days' interest. Any withdraw will close the account. Account opening amounts under $500 must have automatic transfer of at least $50 per month. $50,000 maximum.


Individual Retirement Accounts

IRAs are a great choice to save for a specific purpose in a tax-deferred or tax-free way. Ameriana provides Traditional, Roth and Educational IRAs, plus Savings Incentive Match Plans for Employees (SIMPLE), Simplified Employee Pension Plans (SEPs) and Keogh accounts, all insured by the FDIC.

You can benefit from:

  • No annual fees
  • A variety of terms
  • Automatic renewal

Ameriplus

Our Ameriplus savings account earns a market rate of interest and has no monthly service charge if a minimum average daily balance is maintained. This tiered interest account rewards savers with higher rates of interest based on their higher balances.

  • Tiered interest rates - higher balances earn higher rates of interest
  • No monthly service charge if a minimum average daily balance is maintained
  • Free checks available
  • Convenient, easy access to your funds (in person, by check, Visa ATM, Visa Check Card, Ameriana Action Line, Ameriana Online 24, Mobile Banking App)
  • Numerous deposit options (night, mail, direct deposit, Mobile Check Deposit1)
  • Receive at least quarterly statements for easy record keeping
  • FDIC Insurance

Christmas Club

Use this regular savings plan to set aside money for holiday expenses. We automatically withdraw the balance and mail a check directly to you each October and there are no account maintenance fees.

You can:

  • Open an account with an initial deposit of just $10
  • Determine how much you will save by your deposit amounts
  • Set up direct deposit for effortless saving
  • Automatically renew your account with your first October deposit

Contact us about your savings options today.

1Deposit(s) must be under $900 to be accepted. Deposits may not be available for immediate withdrawal.

 

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