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Savings Accounts

Personalized Options When Every Penny Counts

With multiple savings options, our team can help you find the one that is best suited for you and your financial needs. There are ample ways to grow with Maquoketa State Bank.  

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  • Kasasa Saver

    Get paid to bank with us! Each month you earn cash rewards in your Kasasa® checking, those earnings automatically transfer into your Kasasa Saver account.


    • Free account  
    • Linked to free Kasasa Cash or Kasasa Cash Back account 
    • Automatic transfers make savings simple 
    • 0.50% APY* on balances up to $35,000 
    • 0.50% to 0.27% APY on balances over $35,000 depending on balance in account* 
    • 0.05% APY* if eligibility requirements are not met on Kasasa Cash or Kasasa Cash Back 
    • No monthly service fee 
    • No minimum balance to earn rewards 
    • Free online and mobile banking 
    • Free eStatements, required 
    • A deposit is required to open account 


    Eligibility Requirements

    • Have at least 10 debit card transactions posted and settled to your account 
    • Have at least 1 direct deposit or ACH Auto Debit posted and settled 
    • Receive your monthly statement electronically 


    * See Disclaimer

    2023 Qualification Cycle

  • Savings Account

    For anyone who wants to  save money, without the fuss. 


    • Variable interest rate computed on the daily balances and paid monthly
  • Kids Club Savings Account

    Designed for children and students 12 years old and younger. A variable interest rate savings account to help them build a strong financial foundation. 


    • Free gift when opening an account with $10 deposit
    • Variable interest rate computed on the daily balances and paid monthly
    • Social and recreational activities available — as weather and situations allow
    • Newsletter offerings and a Birthday Surprise
  • Holiday Savings

    Save for your holiday spending budget all year long. In October of each year, your variable interest rate is computed, and your funds are transferred into your checking account. A smart way to give this holiday season.

  • Premier Money Market Account

    This is an interest-bearing account with special features and benefits.


    • Unlimited deposits 
    • No minimum balance
  • Certificate of Deposit

    A safe, guaranteed return on your investment makes our CDs a great option to help you save for the future.


    • Minimum deposit $1,000 
    • Flexible maturities from 6 months to 5 years 
  • Money Builder Certificate of Deposit

    CDs are designed for individuals who are willing to leave funds on deposit for a specified length of time in return for a higher interest


    • Unlimited additional deposits at any time 
    • Minimum deposit $100 
    • Funds are invested for a full year before maturity 
  • IRA | Retirement | College Savings


    Roth IRAs allow after tax dollars to be saved for retirement.  Simply satisfy the 5 year waiting period and have a qualifying event (such as attaining the age of 59 1/2) and all withdrawals (contributions and earnings) are tax free. 


    Traditional IRAs offer immediate tax benefits with qualified contributions being tax deductible.  Distributions are taxable, but penalty free after age 59 1/2 years. 


    A beneficial non-deductible account that features tax-free withdrawals for the specific purpose of a child’s higher education expenses. 

    SEP (Simplified Employee Pension) 

    A retirement investment plan primarily developed to assist small business owners and farmers with retirement plans for themselves and their employees. 

By phone, email, or in person, our Maquoketa State Bank team will go the extra mile in helping you with your financial goals. Please visit or contact our team members listed below. Please do not send sensitive or personally identifiable information via unencrypted email to our team. It is not a secure way to send any information. Thank you.

Personal Bankers