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Personal Banking

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Let Your Money Grow Along With You

From your very first savings account to retirement, throughout your life you need your money to grow with you. Bear State Bank presents everything from The Cub Club for kids to money market accounts to CDs and IRAs, all available to meet your unique needs for saving, right where you are in life.

YOUR BENEFITS Growth Money Market Prosper Savings Designer Savings Cub Club Savings Health Savings (Individual & Family)
Earns Interest Tiered / Variable Yes Yes Yes Yes
Monthly Fee $10 monthly fee if your minimum balance falls below $1000. $5 monthly fee if your minimum daily balance falls below $100. None None No monthly fee, $10 one-time set-up fee.
Opening Deposit $1,000 $100 $0 $20 $100
Key Information Tiers:
$1,000 - $9,999
$10,000 - $24,999
$25,000 - and above
  One free withdrawal per year. Ages up to 18.  

Certificates of Deposit

Want a higher rate? Have enough to set aside for a while? A CD could be right for you.

  • $1,000 opening deposit required.
  • Interest may be withdrawn before maturity once it has been credited to the account.
  • Ten-day grace period at maturity to close or modify the terms of the CD.
  • Penalty for early withdrawal.

Individual Retirement Accounts (IRAs)

  • Traditional
  • Roth
  • No annual fees or comissions.
  • Contributions may be tax-deductible.