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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.

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

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

CDs & IRAs

Stash Your Money With Us

CDs

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.Restrictions and limitations apply to opening deposits and funding methods. Online account opening applies to deposit accounts. Subject to credit approval. Must be 18 years of age. Must be a legal resident of the United States. Must have working device that meets required specifications. Not all products are available for all locations. Not all products are available through online account opening.

Visit Branch to Open
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.

    • $10 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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