State Bank of Toledo

Earn 1.00% APY Bonus rate* and Nationwide ATM Refunds** if requirements are met

Or 0.15% APY standard rate if requirements are not met

To earn the Bonus Rate, perform the following requirements each monthly qualification cycle:

Hometown Advantage Checking

• You must deposit $100 to open this account.
• When you keep a $100 minimum daily balance, we will waive the monthly Service Charge. If your balance falls below $100 any time during the monthly statement cycle, you will receive a $8.00 charge plus sales tax.
• Unlimited check writing and 50% discount on the cost of Hometown personalized checks.
• Earn interest on your checking account balances above $1000.
• $10,000 Accidental Death Insurance and $100,000 Commercial Carrier Insurance and many other features.

Hometown Select Checking

• Minimum opening deposit of $100 with a monthly Service Charge of $5.00 plus sales tax.
• Monthly minimum balance NOT required; earn a preferred rate of interest on entire balance.
• Unlimited check writing and free Hometown personalized checks.
• Free basic safe deposit box for one year with half price thereafter.
• Earn ¼% bonus on certificates of deposit and receive ½% discount on all consumer, non-real estate loans.
• $20,000 Accidental Death Insurance and $100,000 Commercial Carrier Insurance and many other features.

Hometown Prestige Checking

• For customers 55 and older.
• Minimum opening deposit of $100 with a monthly Service Charge of $2.50 plus sales tax.
• Receive all of the features of our Hometown Select Checking account at ½ the monthly account membership fee.

Minimum opening deposit of $100.00. 
You may make 3 free withdrawals per month. Charge for Withdrawal - $1.00  for each withdrawal over 3 during the month.

• Minimum opening deposit of $10.00 with no monthly fees.
• Make periodic deposits to save for Christmas expenses.
• You will receive a check for the balance in the account plus interest on November 1st of each year.
• Sign up for a direct transfer weekly or monthly and receive an interest rate bonus.

CD’s Invest in a certificate of deposit with as little as $1000. Terms of 91 days, 182 days, 12 Months, 18 Months, 30 Months, 36 Months, or 48 Months. Earn ¼% interest bonus if you also have one of our Hometown Select or Prestige checking accounts.  Penalty for early withdrawal.

We offer variable rate IRA, Roth IRA, Education IRA, and SEP IRA accounts or you can invest in a 30 Month fixed rate IRA certificate of deposit. Penalty for early withdrawal.

• Minimum opening deposit of $100.
• Save for your child’s college education with our IQ Ed Certificate of Deposit.
• You can make additional deposits of as little as $25 at any time- watch this account grow with your child.
• This account matures on June 1st of the year the child reaches age 18.
• Earn a variable rate based on the prior quarter’s average rate of our 30 Month Certificate of Deposit.
• Penalty for early withdrawal.

• Minimum opening deposit of $2,500.
• Earn a high rate of interest while having immediate access to your funds. (With minimum balance of $2500.)
• Make up to six transfers a month (of which only 3 can be checks).
• Unlimited withdrawals in person or by telephone.