Savings Accounts
Click here to see the brochure (97KB PDF).
Save For America
Our Save For America account is an account for children under the age of 18. This special savings account earns a better interest rate than a regular savings account. With this account you can participate in the Super Saver punch card and earn gift certificates for making deposits.
Additional Features: The bank will make the first deposit of $1, participants receive periodic informative newsletters, and are invited to participate in “Bank Days” at their local elementary school.
Statement Savings
This is the perfect account for the beginning saver. There are no service charges for the first 3 months on new accounts, no service charges for account holders under 18 years of age, and no service charges on accounts where a $200 average quarterly balance is maintained.
Interest: Variable rate; earned daily and compounded quarterly with a $10 minimum balance.
Check out our current interest rates.
Money Fund (Money Market)
For savers who maintain at least $1,000, our Money Fund offers tiered interest rates so that you never need to shop for another money fund account again. As the balance increases, the interest rate increases—comparable to brokerage money market accounts, but FDIC insured.
Interest: Variable rate; earned daily and compounded quarterly based on tier levels.
Check out our current interest rates.
Christmas Club
Our Christmas Club accounts provide an easy and convenient way to save for the holidays. $250, $500 and $1,000 club accounts are offered.
Features:
- Automatic transfer from a Winona National checking or savings account.
- Two payments are withdrawn from your checking or savings account on the 15th and last day of the month.
- If you make the first 49 payments, the bank will make the 50th payment as a bonus. Checks are sent out by mid-November.
- Accounts are opened between mid-November and early January.
Get more information on Savings Bonds or access the Savings Bond Calculator.