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Preferred Branch

Mason City (641)423-1600 Change Location

Your Preferred Branch

Mason City Change Location

2601 4th Street SW
Mason City, IA 50401

Tel. (641)423-1600

Hours
Monday-Thursday: 9:00am - 4:00pm
Friday: 9:00am - 5:00pm
Sat: 9:00am - 12:00pm
Get Directions

Change Preferred Branch

  • Charles City Branch
    300 North Main Street
    Charles City, IA 50616

  • Clarion Branch
    315 Central Avenue East
    Clarion, IA 50525

  • Kanawha Branch
    220 North Main Street
    Kanawha, IA 50447

  • Mason City State Street Branch
    33 East State Street
    Mason City, IA 50401

  • Mason City West Branch
    2601 4th Street SW
    Mason City, IA 50401

  • Mora Branch
    730 Forest Ave East
    Mora, MN 55051

  • New Hampton Branch
    124 West Main Street
    New Hampton, IA 50659

  • Osage Branch
    501 Main Street
    Osage, IA 50461

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Home Personal Savings

Personal Savings

 

Personal Saving Accounts

Building a smart savings strategy starts here. Saving money is an important financial skill to master, but it also requires the right account to help make the most of the money you’ve put away.  Toggle between accounts to learn what they have to offer.

Power Saver

Account Information

 

$5.00 Minimum to Open
Quarterly statement*

Earn Interest
Paid on the daily collected balance. Compounded and paid quarterly.

See Current Rates

Account Opening
This account must be opened in person by an adult over the age of 18 (such as a parent, grandparent, guardian, aunt or uncle) and provide the child's social security number.

*Savings accounts receive quarterly statements unless there are electronic transfers, then monthly statements will be received. If you have a First Citizens spending account, your savings account statement will be provided to you monthly with your spending statement.

power saver logo

benny and nickelette

A savings account designed
for children age 14 and under.

  • Banzai Financial Education
  • Video Series
  • Fun Games, Crafts, & More

Learn More

Basic Savings

Account Information

 

$5.00 Minimum to Open
Quarterly statement*

Earn Interest
Paid on the daily collected balance. Compounded and paid quarterly.

See Current Rates

Fee Information
Maintain a $100 average collected balance, and we’ll waive the $2.00 monthly service charge.

Open Online

*Savings accounts receive quarterly statements unless there are electronic transfers, then monthly statements will be received. If you have a First Citizens spending account, your savings account statement will be provided to you monthly with your spending statement.

Platinum Savings

Account Information

 

No Minimum to Open
Monthly statement*

Earn Tiered Interest
Paid on the daily collected balance of $10,000 or more.
See a Personal Banker for complete information about rates and tiers.
Compounded and paid monthly.

See Current Rates and Tiers

Fee Information
Maintain a $10,000 average collected balance, and we’ll waive the $25.00 monthly service charge.

Open Online

*Savings accounts receive quarterly statements unless there are electronic transfers, then monthly statements will be received. If you have a First Citizens spending account, your savings account statement will be provided to you monthly with your spending statement.

 

Other Saving Options

We offer other saving options to help save for health expenses, Christmas time, and higher education.

Health Savings

Account Information

 

What is a HSA?
It is an account designed to help you save specifically for health care costs.

  • Used in conjunction with a high-deductible health plan
  • Control what health expenses your HSA funds are used for
  • The money in your account rolls over from year to year

Account Opening
Account cannot be opened online.

Your tax adviser can help you decide if an HSA is the right solution for you.

Learn More

Christmas Club

Account Information

 

What is a Christmas Club Account?
This account helps reduce the strain of holiday expenses.

No Minimum to Open

Earn Interest
No interest earned on balances over $5,000.00
Penalty applies for early withdrawal.

Deposits can be made in any amount at any time.

 

Your Christmas Club account balance automatically transfers to your First Citizens checking or savings account on November 1st of each year..

Open Online

Higher Learning Fund

Information

 

What is a Higher Learning Fund?
This account helps you save specifically for college by saving and building the balance through compound interest.
The account matures when the child graduates from high school.

No Minimum to Open

Earn Interest
Paid on the daily collected balance. Compounded and paid quarterly.
One year penalty for early withdrawal.
Interest equal to three-year Constant Maturity Treasury Rate as reported in the Wall Street Journal and is subject to change quarterly

Ability to make automatic transfers from spending or savings accounts.

 

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Financial Calculators

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eStatements

Receive your statements electronically for free and reduce paper clutter.

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uSave

Every time you make a debit card purchase, your savings grows!

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Online & Mobile Banking

Bank from anywhere, at any time with digital banking tools.

Learn More

Savings Calculator

 

 

 

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