Christmas Club Account

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  • 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.


Certificate of Deposit

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.


Investing in Quality Education

IQ Ed Certificate of Deposit

  • 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.


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100 E High St. PO Box 309 Toledo, IA 52342  Phone: 641-484-2980