Personal Savings

American State Bank Savings Accounts

	Personal Savings	Investors Choice Money Market	Sunshine Club Savings OR Club 22 Savings	Christmas Club Savings	Preferred Direct Savings
Description	Everyone needs a personal savings account!	Check writing privileges plus interest on balances greater than $1,000.	Save early birth – 22 years Enjoy bonus variable interest while saving for college & the future!	A great way to make Christmas merrier!	Available to any person with primary checking account at ASB.
Minimum balance to avoid monthly maintenance fee	$100 minimum balance to avoid $2.00 maintenance fee per month	$0	$0	$0	$0
Fees	*$1.00 debit fee for each debit in excess of 4 per statement cycle(Monthly)	*$2.00 Debit fee for each debit in excess of 3 per statement cycle
Interest	Yes-Quarterly	Yes Balance > $1,000.00	Yes	Yes	Yes-Monthly
Additional Features	* Combo Statement or Quarterly Statement	* Combo Statement or Monthly Statement	* Combo Statement or Quarterly Statement	* Combo Statement or Annual Statement. Club Balance will be xferred to checking October 31. **No withdrawls allowed	*Must have primary checking at ASB. Combo Statement is required.

Certificates of Deposit (CDs)

From three months to five years, our CDs offer guaranteed rates, insured safety, and the peace of mind only money in the bank can bring!  Penalty for early withdrawal may apply. 

Individual Retirement Accounts (IRAs)

Take advantage of tax-deferred Traditional IRA's, Education IRAs and ROth IRAs.  We help you fin dhte account that fits your specific needs.  Contact your tax preparer for your tax deductibility status.