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We're centered around life stages.
Life Stages


It's never too early to begin teaching financial responsibility.


Early financial planning and savings discipline contributes to future financial success. Here are some "little" tips from Raccoon Valley Bank for the little ones in your life.


  • Start your Junior Savers Account with pocket change, birthday money, or holiday gift money. With a Junior Savers Account children will receive an annual birthday card and "free" gift.
  • Raccoon Valley Bank Piggy Bank – You will receive a Raccoon Valley Bank Piggy Bank after opening your Junior Savers Account.  Fill it up with change and bring it in to be deposited in your account.  We will send you home with another Piggy Bank!
  • Start Saving for College – By starting early, when a child is in preschool or before, you can build a realistic fund through the power of compounding over many years. The earlier you start, the less you'll have to save per month.
  • Ambassador Club members: Grandparents if you open a savings account for a newborn grandchild, we'll contribute $5 per child or $25 per child if you have twins or triplets.


Through Raccoon Valley Bank, you can access products designed to help you fund your child's higher education. To learn more, or set up an educational account, click on the links below.


    • College Savings Plans - Raccoon Valley Bank recommends several options to help you fund the cost of a higher education. It's OK to start small, but start now with a college savings plan that both you and your parents can contribute to:
      • Coverdell Education Savings Account – A tax advantage way to save for college. Offers tax free earnings growth and tax free withdrawals for educational expenses. Open one at Raccoon Valley Bank today.
      • US Government EE and I Savings Bonds – EE and I Bonds are reliable, low-risk government-backed savings products that you can use toward financing education and other special events. These are available through Raccoon Valley Bank and also may be purchased online.


  • Conserve time, money and paper with Raccoon Valley Bank's convenient online banking, and eStatements – You'll conserve time, save money, and reduce the risk of identity theft by using our online banking.


For help determining the best practices and products for sound and productive money management during your Student Life Stage, please contact us at 515-465-3521 or


When you are 18, you may open a savings account on your own. Younger students may open checking accounts with a qualified co-applicant.

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Tips for Effective Financial Management

  • Set a savings goal and keep track of your child's progress.
  • Allow your child to put your spare change into a piggy bank.
  • Help your child to identify the different types of coins and bills.
  • Help your child to understand the difference between a need and a want.

Doubling Your Money

When it comes to finances, it’s usually safe to say that the longer you invest your money, the more you’ll have. You can figure out how long it will take to double your money with the “Rule of 72,” by dividing your interest rate into 72.


EXAMPLE: Savings interest rate = 3% ~ 72 ÷ 3 = 24 ~ Money in a savings account earning 3% interest takes 24 years to double.

Raccoon Valley Bank