Savings & Club Accounts
The sky is the limit. No matter the size of your savings goals or unexpected expenses that may arise, we have the versatile account to help you build your way toward success.
Benefits
- Unlimited withdrawals or transfers
- Use with a checking account for Overdraft Protection
- Earns interest
Requirements
- Minimum opening deposit of $250 ($25 if under age 18)
- Minimum balance of $50 required to earn interest
- $6 service charge if requirements are not met ($0 under age 18)
Savings Rate
*Effective as of 8/20/2026
| Amount | Interest Rate | APY* | Compounded |
|---|---|---|---|
| Savings ($50 or More) | 0.15% | 0.15% | Quarterly |
| Club Savings | 0.15% | 0.15% | Simple Interest |
*Your interest rate and Annual Percentage Yield (APY) may change at our discretion, at any time without notice.
What's a Club Account?
Save for a special occasion by setting aside money and adding to it for a certain period of time.
Use your club account at different times of the year. Prepare for back-to-school expenses in July, get ready for Christmas shopping in October, look forward to Summer fun in March, or plan your escape from the cold in January.
- Maintain a minimum balance of $5.00
- You must have another SNBT Checking or Savings account
- $10 charge if account is closed anytime during the club term
- See a Banker for Details
Additional Features
- Overdraft Protection:
- Transfers money from another deposit account into your checking account.
- A small transaction charge is assessed for each overdraft transfer, which costs less than an overdraft charge.
- Overdraft Consideration:
- We may cover your overdraft so you can avoid merchant fees from declined transactions or returned checks.
- An overdraft charge may apply for this discretionary service.
- Available in addition to the overdraft services listed above.
- Learn the details of Overdraft Consideration
- Debit Card Overdraft Consent Service:
- May help you avoid having your transactions automatically declined.
- Applies only to ATM and everyday Debit Card transactions.
- An overdraft charge may apply if this service is used to complete your transaction.
- Learn more about overdraft services here.
- Automated bank-by phone system that gives you account information using a touchtone phone. To access, call 715-735-BANK (2265) or 800-924-9796.
- Many employers offer paycheck deposits into a checking or savings account. Consider taking advantage of this benefit to help with budgeting by earmarking a portion of each paycheck to be deposited into your savings account.
- Keep valuable information and important documents safe.
- Reorder your checks here:
- https://orderpoint.deluxe.com/personal-checks/welcome.htm?execution=e1s1
Since you're interested in Savings & Club Accounts, you could also consider:
