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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, a division of Centennial Bank, we make it quick and easy to open an account, so you can start saving right away.

We are pleased to bring you a new Online Account Opening experience in the near future. In the interim, the existing system will be unavailable. Please visit the nearest bank branch to open accounts during this implementation window. We apologize for any inconvenience this may cause and look forward to offering you an improved experience moving forward.

Personal Savings

Your money can earn more

  • $100 minimum deposit to open
  • $3 monthly service charge (if the balance falls below $100 on any day of the month)
  • $5 fee for each withdrawal in excess of six per month
  • Earn interest

Benefits

Account can be tied to any Checking Account for Overdraft Protection Transfers (Certain transaction fees, limitations and requirements may apply. Please refer to the product terms and conditions or see Bank for details)

Additional Information

No Overdraft Privilege available

Visit Branch to Open

Christmas Club Savings

It’s never too early to start saving for the holidays

  • No minimum deposit to open
  • $5 fee for each withdrawal prior to annual payout
  • No monthly service charge
  • Earn Interest

Benefits

Annual account payout occurs early November

Additional Information

No Overdraft Privilege available

Visit Branch to Open

Money Market

Save for a major purchase or provide a safe place for your emergency funds

  • $100 minimum deposit to open
  • $10 monthly service charge (if the balance falls below $2,500 on any day of the statement cycle)
  • $10 fee for each withdrawal in excess of six per statement cycle
  • Earn Interest

Benefits

Debit Card available with account

Additional Information

Surcharge-FREE ATMs – Save Receipts – Save Money

No Overdraft Privilege available

Visit Branch to Open

Relationship Money Market

  • $100 minimum deposit to open
  • $10 monthly service charge (if the balance falls below $10,000 during the statement cycle)
  • $10 fee for each withdrawal in excess of six per statement cycle
  • Earn Interest (Tiered Interest)

Benefits

Debit Card available with account

Additional Information

Surcharge-FREE ATMs – Save Receipts – Save Money

No Overdraft Privilege available

Visit Branch to Open
Save the Cents Header HSB

Save the CENTS

Make your everyday purchases part of your saving plan! Learn more about our Save the CENTS program.,

Learn More

Certificate of Deposit (CD)

In addition to personal savings accounts, a Certificate of Deposit (CD) is a great way to get a jump start on your future. In life, there are circumstances that you don’t plan for, which is why it is a good idea to set aside money to build a solid nest egg.

We offer CDs with maturities available from 30 days to 5 years with fixed rates for a specified term. Early withdrawal may be subject to penalty. Rate information is available during the account opening process and in most bank branches.

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Approach Retirement or Plan Ahead

IRAs

Happy State Bank, a division of Centennial Bank, offers a wide array of Individual Retirement Accounts (IRAs) and the expertise to help you grow your money with potential tax relief.

We offer Traditional, Roth, and Educational IRAs based on your specific needs.

Product Features

  • Rates will be based upon the term you choose
  • May be subject to early withdrawal penalties
  • See a customer service representative for current rate information, calculation method and to obtain a copy of our Truth in Savings Disclosure.
Request Term IRA Information
  • Kids Account for customers age 18 and under

    First Account

    Happy knows a thing or two about teaching kids the value of saving. First Account helps kids develop wise habits. To open a First Account, please visit your nearest Happy Branch and receive a gift upon opening your First Account.

    • $1 minimum deposit to open
    • $0 monthly service charge
    • $5 fee for each withdrawal in excess of 6 per month
    • No Overdraft Privilege
    • Earns Interest
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Health Savings Account

Specifically designed for those with high-deductible health plans. Health Savings Accounts allow you to save funds while earning interest. You can access these funds with a debit card or by writing a check to pay qualifying current or future medical expenses.

Take control. Start saving now. Happy State Bank, a division of Centennial Bank gives you the tools and resources needed to manage your HSA.

 

Visit Branch to Open

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