Savings: 0.25% APY
Super NOW: 0.40% APY
MMK: 0.30% APY
HSA 0.30% APY
12 Month CD: 2.02% APY
48 Month CD: 3.13% APY
View Rates

Checking & Savings Accounts

The Adams State Bank offers a wide array of savings and
checking accounts. Every customer has different goals and
needs. The Federal Deposit Insurance Corporation insures all
deposits offered by the bank up to $250,000. Pamphlets are
available to explain FDIC coverage in depth.

Our bank offers the following savings and checking accounts:

Passbook Savings Accounts

Perfect for short-term goals and liquidity. Interest is compounded quarterly.

Money Market Investment Account

A tiered rate investment account that offers higher rates than a Passbook account. The interest rate can change monthly and is compounded monthly.

Certificates of Deposit

Just the account you need to achieve higher interest rates with a fixed maturity. Choose from 3 months to 4 year maturities. Minimum deposit of $1,000.00. Interest compounded quarterly. Substantial penalty for early withdrawal. See our current rates.


Adams State Bank offers Traditional and Roth IRA’s. Rates are tied to the 6 month CD rate and are subject to change monthly. Interest is compounded monthly.

Health Savings Accounts

Adams State Bank offers Health Savings Accounts to eligible individuals.   HSAs are designed to cover medical expenses incurred by the HSA owner, the HSA owner's spouse and dependents. HSA contributions are deductible and, if amounts are used for qualified medical expenses, distributions are tax-free.

Checking Accounts

Adams State Bank offers checking accounts with a variety of features to help you find the one that best fits your needs. We offer Student Checking, E-Checking, Business Checking and more.

Our accounts offer practical features, better benefits, and access to your money when and where you need it. All of our checking accounts include the following services at no cost to you: