Personal Banking

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Whether you’re opening your first ever checking account, saving for retirement, borrowing for a home or car, or interested in our debit / credit card options, Mid-Southern Savings Bank, FSB is here to service your personal banking needs. And unlike other banks, who are getting farther and farther away from customer relationships and face to face interactions, we enjoy serving you and your needs in person or over the phone.



Savings

While spending money is fun, saving it can be even more rewarding. You might be saving for a sense of security or a rainy day or for something you want down the road — whatever you’re saving for, we can help you make it happen.

Statement Savings Account

Summary — our Statement Savings Account has a low minimum to open and earns interest based on daily balance that compounds monthly at a variable rate.

  • Minimum to open is $100.00
  • Interest earned is based on daily balance, compounds monthly, variable rate
  • Monthly fee of $2.50 any day during the cycle balance is below $100.00
  • ATM accessibility with Checking account

Money Market Savings

Don’t put all your eggs in one basket — earn even more interest and a better return on your hard-earned money with our money market accounts.

  • Money Market Savings (personal)
  • Minimum to open is $10,000.00
  • Interest earned is based on daily balance, compounds monthly, variable rate
  • Monthly fee of $2.50 any day during the cycle balance is below $100.00
  • ATM accessibility with Checking account

Christmas Club Savings Account

Get a check in November for money you’ve saved — and earned interest on — all year, just in time for Christmas.

  • No minimum to open
  • Interest earned
  • No withdrawals (must close account), early closing fee applicable
  • No required payments
  • Check mailed to customer in November each year
  • Account remains open if deposit is made by December 31st

Individual Retirement Account (IRA)

Picturing yourself on a beach at retirement age? It’s never too early — or too late — to save.

An IRA — Individual Retirement Account — sounds just like what it is — it’s an account that allows you to save for retirement, and it’s never too early — or too late — to start saving. Mid-Southern Savings Bank, FSB offers Traditional and Roth IRAs. A traditional IRA is a tax-deferred retirement savings account, meaning you don’t pay taxes until you withdraw your money at retirement age. With a Roth IRA, you pay taxes on the money you put into the account — then withdraw money tax-free at retirement. Traditional and Roth IRAs are insured by the Federal Deposit Insurance Corporation.

For more specifics on Mid-Southern Savings Bank, FSB retirement accounts, visit or call customer service at your local branch.

Certificate of Deposit (CDs)

Boost your savings with a Certificate of Deposit.

As the saying goes, “good things come to those who wait”. CDs, which are insured by the Federal Deposit Insurance Corporation, are offered for a fixed term at a fixed interest rate, and as long as you wait until the end of the term to withdraw money, you will enjoy higher returns on your savings. Find out if opening a CD is the right move for you by visiting or calling us for more information.