Savings Accounts & CDs

Save Money for your Financial Goals with a Savings Account or CD

There’s a savings account or CD just right for you at Raccoon Valley Bank. Right for young and older savers. Right for your short- and long-term goals. Right for your dreams.

Fall CD Specials

*Annual Percentage Yield. The stated APY is accurate as of 10/14/26. Minimum deposit to open CD (Certificate of Deposit) is $1,000. Penalty for early withdrawal. Certain restrictions may apply. **Annual Percentage Yield. The stated APY is accurate as of 10/14/26. Minimum deposit to open CDs is $10,000. Penalty for early withdrawal. Certain restrictions may apply.

CERTIFICATES OF DEPOSIT (CDS)

A safe and secure option for growing your money, CDs at Raccoon Valley Bank come in a variety of terms from six months to five years. With the peace of mind of FDIC protection and competitive interest rates, Raccoon Valley Bank CDs are a great way to increase your wealth over time no matter if you are a young adult just starting out, managing a family’s finances or making a final push toward or already in retirement.

*CDs are subject to penalty for early withdrawal.

Savings Accounts at Raccoon Valley Bank

Compare the features of our popular savings accounts below to find the one that’s just right for you.

Savings Accounts
Account name	Junior Savers	Regular Savings	Insured Money Market Account
Opening deposit	$25	$100	$2,500
Minimum required balance to avoid service fee	None	$100	$2,500
Monthly fees	3 free withdrawals/debits per service charge cycle $2 per withdrawal/debit over 3 withdrawals/debits per service change cycle	$5 per service charge cycle if balance falls below $100 3 free withdrawals/debits per service charge cycle $2 per withdrawal/debit over 3 withdrawals/debits per service charge cycle	$10 per service charge cycle if balance falls below $2,500 6 free withdrawals/debits per service charge cycle $10 per withdrawal/debit over 6 withdrawals/debits per service charge cycle
Interest paid	Compound on collected balance	Compound on collected balance	Tiered interest rate on collected balance
ATM card	n/a	Available $10.70 annual fee¹^,2	n/a
Online services	Online banking available Mobile banking available	Online banking available Mobile banking available	Online banking available Mobile banking available
Additional features	eStatements available	eStatements available	eStatements available

¹Subject to credit approval; ²State and local sales tax applies

Get Started with a Savings Account from Raccoon Valley Bank Today!

Open an Account Today!

ROUND UP - A Simple Way to Save Money and Get Ahead

Round Up is a program that automates your savings and helps you get on track to meet your financial goals. Every time you use your debit card, the amount will round up to the next dollar and the extra will be deposited into your savings account! It's that simple.

ENROLL
Link an eligible savings account.
SPEND
Make your debit card purchases as normal.
SAVE
We'll round up your purchase and drop the change into savings.

Contact or come by Raccoon Valley Bank today at any of our offices in Adel, Dallas Center, Grimes or Perry to experience a true community bank.