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Personal Savings

Financial Goals Within Reach

Family saving money in piggy bank

Saving for Every Stage of Life

Accounts that are easy to open, easy to use.

At Happy State Bank, it takes less than five minutes to open an account, so you can start saving right away.

Which personal savings account is right for you?


Happy Savings

A great starter account to help you reach your financial goals.

  • $100 minimum deposit to open
  • $5 quarterly maintenance fee if $100 minimum daily balance requirement not met
  • Tiered interest credited quarterly
  • Free Happy debit card 
Open Now

Money Market

Higher interest rates and more flexibility. The more you save, the more you earn.

  • $500 minimum deposit to open
  • $12 monthly fee if $2,500 minimum daily balance requirement not met
  • Tiered interest credited monthly
Open Now
Senior Indian Couple Meeting With Financial Advisor.

Save for the Future

CDs & IRAs

Save for the long haul with investment tools that include FDIC coverage and a guaranteed return.

  • Interest rates vary based on term and amount
  • $1,000 minimum to open
  • Balance and term chosen individually
  • IRAs not available online – visit a Happy Branch
Open a CD
  • Teaching Kids to Save

    Minor Savings

    Happy knows a thing or two about teaching kids the value of saving. That’s why we’ve created an account just for them! Minor Savings helps kids develop wise habits. To open Minor Savings, please visit your nearest Happy Branch.

    • $0 minimum deposit to open
    • $0 minimum balance requirement
    • Tiered interest credited quarterly
    Young children pose for a portrait on their farm in Texas.

Invest in your future.

Our mortgage lenders can get you moving. Get the loan you need to buy the place of your dreams.