Deposit Products

The rates listed below are effective as of .

Call or e-mail Madison County Bank for more information. Phone 402-454-6511 or 402-644-8200 or e-mail mcbank@cableone.net .

Savings Accounts

A great way to put money away for special occasions - college education, vacation, retirement, or unexpected emergencies .

-Open an account with a $250 deposit

-No service charges

-Free ATM card (subject to qualification)

- Current rates

Certificates of Deposit

A variety of terms available, offering you higher annual percentage yields for your investment.

-Terms ranging from 91 days to 60 months

-Minimum deposit of $500

-A penalty may be imposed for early withdrawal

-Current rates

Free Advantage Checking

If you're looking for an account that will help you make every penny count, you'll appreciate the features of our Free Advantage Checking Account.

-No minimum balance requirement

-No service charges

-Free first order of personalized checks

-Free unlimited check writing

-Free ATM or VISA Debit Card (subject to qualification)

Advantage NOW Checking

When you want an interest-bearing account with a low minimum balance requirement, check out our Advantage NOW Checking Account.

-Maintain a $100 minimum balance and there is no service charge

-Free first order of personalized checks

-Interest on checking when you maintain a balance of $1,000

-Free unlimited check writing

-Free ATM or VISA Debit Card (subject to qualification)

- Current rates

Advantage Plus Checking

If you're looking for a club account with a lot of privileges without a lot of extra fees, the Advantage Plus Checking Account is for you. Extraordinary benefits for one low monthly membership fee.

-No minimum balance requirement

-No monthly service charge

-Free personalized club checks

-Earn interest on every penny

-Low $3.00 monthly membership fee

-No fee for traveler's checks, cashier's checks or money orders

-Free unlimited check writing

-Free ATM or VISA Debit Card (subject to qualification)

- Current rates

Advantage Gold Checking

If you are 50 or better, you deserve the benefits and pleasures of our Advantage Gold Checking Account, all at no cost to you.

-No minimum balance requirement

-No monthly service charge or membership fee

-Free personalized checks

-Earn interest on every penny

-No fee for traveler's checks, cashier's checks or money orders

-Free unlimited check writing

-Free ATM or VISA Debit Card (subject to qualification)

- Current rates

 

Retirement Accounts: IRAs, SEP IRAs, Roth IRAs

Save for your retirement with one of our IRA accounts - the higher yielding certificate of deposit or the flexible savings account.

-Savings account with no fee for contributions or distributions

-Certificates of deposit, with terms ranging from 11 months to 60 months.

-No early withdrawal penalty imposed after reaching age 59 1/2

-A penalty may be imposed for early withdrawal from a certificate of deposit


Health Savings Account

A health savings account is a tax exempt account established to be used for the exclusive purpose of paying the medical expenses of you, your spouse and your dependents.

- $100 minimum deposit to open account

- No monthly service charges

- Free first order of personalized checks

- Earn interest on every penny

- Free unlimited check writing

- Current Rates
 

Savings Accounts

Account Type

Interest Rate

Annual Percentage Yield (A.P.Y.)

Minimum Deposit to Open Account

Minimum Balance to Obtain A.P.Y.

Money Market Savings

1.49%

1.50%

$250.00

$.01

Money Market Savings

1.99%

2.00%

$250.00

$90,000.00

Christmas Club Savings

1.49%

1.50%

$10.00

$.01

I.R.A. Account

3.47%

3.50%

$10.00

$.01

Rates may change after the account is opened. Fees may reduce earnings.

Certificates of Deposit

Account Type

Interest Rate

Annual Percentage Yield
(A.P.Y.)

Minimum Deposit to Open Account

Minimum Balance to Obtain A.P.Y.

91 Day

1.99%

2.00%

$500.00

$500.00

182 Day

2.73%

2.75%

$500.00

$500.00

11 Month

2.98%

3.00%

$500.00

$500.00

12 Month

3.22%

3.25%

$500.00

$500.00

18 Month

3.47%

3.50%

$500.00

$500.00

24 Month

3.17%

3.20%

$500.00

$500.00

30 Month

3.22%

3.25%

$500.00

$500.00

36 Month

3.27%

3.30%

$500.00

$500.00

48 Month

3.32%

3.35%

$500.00

$500.00

60 Month

3.37%

3.40%

$500.00

$500.00

A penalty may be imposed for early withdrawal.

Advantage Now Checking Account

Account Type

Interest Rate

Annual Percentage Yield
(A.P.Y.)

Minimum Deposit to Open Account

Minimum Balance to Obtain A.P.Y.

Checking

1.24%

1.25%

$100.00

$1,000.00

Checking

2.47%

2.50%

$100.00

$25,000.00

Rates may change after the account is opened. Fees may reduce earnings.

Advantage Plus Checking Account

Account Type

Interest Rate

Annual Percentage Yield
(A.P.Y.)

Minimum Deposit to Open Account

Minimum Balance to Obtain A.P.Y.

Checking

.60%

.60%

$100.00

$.01

Checking

1.24%

1.25%

$100.00

$1,000.00

Checking

2.47%

2.50%

$100.00

$25,000.00

Rates may change after the account is opened. Fees may reduce earnings.

Advantage Gold Checking Account

Account Type

Interest Rate

Annual Percentage Yield
(A.P.Y.)

Minimum Deposit to Open Account

Minimum Balance to Obtain A.P.Y.

Checking

.60%

.60%

$100.00

$.01

Checking

1.24%

1.25%

$100.00

$1,000.00

Checking

2.47%

2.50%

$100.00

$25,000.00

Rates may change after the account is opened. Fees may reduce earnings.

Health Savings Account

Account Type

Interest Rate

Annual Percentage Yield
(A.P.Y.)

Minimum Deposit to Open Account

Minimum Balance to Obtain A.P.Y.

Checking

.60%

.60%

$100.00

$.01

Checking

1.24%

1.25%

$100.00

$1,000.00

Checking

2.47%

2.50%

$100.00

$2,500.00

Rates may change after the account is opened. Fees may reduce earnings.

Equal Housing Lender
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