DEPOSIT ACCOUNTS

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REGULAR CHECKING

CJSB offers a low cost regular checking account for those customers who wish to maintain lower balances.  This account is free of charge as long as the customer maintains a $200.00 minimum balance.  Maintenance and per item charges apply if minimum account balances are not maintained.  And if you select this account, don't forget to get a Shazam Card to allow access to your funds 24 hours a day.

NOW CHECKING

For those individuals that maintain a higher balance, you may wish to select Now Checking.  Interest is earned on your average collected balance.  This account is free of charge as long as the customer maintains a $1,000.00 minimum balance.  Maintenance and per item charges apply if account balances are not maintained.   Remember to set this account up for a Shazam Card to access your funds at any Shazam or Cirrus ATM machine.

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PASSBOOK SAVINGS

If you are looking for a basic savings account with access to your funds at anytime this account is just right for you.  Earn a competitive rate of interest and have access to your account anytime.  Also you may receive a free passbook upon opening your account to help you track your transactions.  We will also send you periodical statements detailing your account activity.  This account is free of charge as long as you maintain a minimum balance of $100.00.  If you fall below this balance monthly fees and withdrawal charges will apply.

INVESTORS MONEY MARKET ACCOUNTS

If you are looking for a higher rate of interest than you earn on a passbook savings account, our Investors Money Market Account may be right for you.  This account is designed for individuals who are able to maintain higher account balances.  The minimum balance on this account is $2,500.00 if you wish to avoid a $5.00 maintenance fee and withdrawal fees.   Federal regulations require us to limit the number of transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer to six per statement cycle, with no more than three by check, draft or debit card, or similar order to third parties.   

CHRISTMAS CLUB

Looking for a way to save for the holidays?  Our Christmas Club is the answer.   You may deposit money at a frequency that you determine.  Take advantage of an automatic transfer from your checking account to ensure that you set aside just the amount of money you want for your Christmas.  This account earns our passbook savings rate and we will send you a check in the middle of October in time for you to get a good start on your holiday shopping.  Ask any teller for more details and to set you up today.

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CERTIFICATES OF DEPOSIT

Are you stashing away money for the long term and looking to earn the most interest on your deposits?  Then take a look at our Certificates of  Deposit.  You can select your own maturity date ranging anywhere from 91 days to 5 years.  Rates are generally higher for  longer maturating CD's.  Penalties  for early withdrawals from these accounts will be applied so make sure that you choose a maturity that is appropriate.  Feel free to call the bank for our current Annual Percentage Yields on Certificates of Deposit.

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IRA SAVINGS ACCOUNTS

Are you setting money aside for retirement if so then take a look at our IRA savings accounts.  You can choose either a variable rate account or now you can select Certificates of Deposits to invest your money.  If you choose the Variable Savings Account you may set up automatic deposits from your checking or savings account.  Traditional, Roth, and Education IRA accounts are available.   Stop in and find out what type of savings account fits your needs.

All of the above accounts are insured up to $250,000.00 by the FDIC.  If you have any questions as to how FDIC insurance is calculated come into the bank or visit the FDIC's Electronic Deposit Insurance Estimator web site at http://www2.fdic.gov/edie/ to calculate your insurance coverage.

 

Lending Products

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Nearly every small business or farmer needs to borrow money from time to time.   Columbus Junction State Bank has been helping area businesses and farmers for more than 70 years.  Stop in and talk to a loan officer for any of your business needs and see how we can help you achieve your goals. 

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Are you getting to the point you don't trust your car anymore, or are you the type of person that likes to have a new set of wheels every year?  Maybe that old dishwasher needs to be replaced.  Payments can be taken directly out of your checking or savings account.  Columbus Junction State Bank offers attractive rates on consumer loans for any purpose.

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Columbus Junction State Bank offers Adjustable Rate Mortgage Loans to customers in our area.  Interest rates change every one, three, or five years with rate changes linked to the corresponding  U.S. Treasury yields.  Columbus Junction State Bank is an Equal Housing Lender.  If you choose we can also set up an escrow account for your property taxes and insurance. Like our, consumer loans you may choose an automatic withdrawal for your payments. Call one of our Real Estate Loan Officer to find out current rates if your looking at a new purchase or to refinance your existing loan.

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It happens to everyone.  Payday is a few days away but that little emergency has occurred in your life and you need a little extra money to get you by for a few days.   If you have applied for a line of credit attached to your checking account you don't need to worry.  Your checks up to that limit will be covered.  And you can pay it back similar to a credit card either all at once or a little bit every month.   Ask any of our Loan Officers for more details about a Ready Reserve Line of Credit.

Call any of our Loan Officers for details on the type of loan you are looking for.

 

Columbus Junction State Bank
134 Main St.
Columbus Junction, Ia 52738
(319) 728-2436

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