Managing your money each day is made easier by having your accounts structured to meet your individual needs. The State Bank of Davis offers the following accounts to serve you.

CHECKING

 

REGULAR CHECKING

• No minimum balance requirements
  
• No monthly fee
  
• Monthly statement
  

• Minimum opening deposit of $1,000.00
• Tiered interest rates according to balance level
• Monthly statement
• Overdraft Protection available. Ask for more details.
• $2.00 service charge per month if balance falls below $1,000.00

 

DISCOVER CLUB
For members 50 years or better with at least $10,000.00 on deposit with the State Bank of Davis.

• Free club checks
• Free ATM or Debit cards
• Free travelers checks
• Free money orders and cashiers checks
• Reduced fee safe deposit box
• Free notary service
• Free photocopies (10 per visit)
• Magnificent Mondays
  
  

In addition to the above features, the Discover Club has many one day trips and extended trips scheduled throughout the year.

 

SAVINGS

 

REGULAR SAVINGS ACCOUNT
A simple, convenient account with easy accessibility that allows
individuals to save for the future.

 

JR. INVESTORS CLUB
For our younger savers!

• Minimum opening balance of $25.00
• Minimum additions of $5.00
• Programs, drawings, and special events
• Bonus incentives for savings balance milestones
• Fun monthly newsletter
  

 

SANTA SAVINGS
A great way to save for the holidays!

• Competitive Interest Rate
• No minimum balance required
• No set payment schedule to follow
• Lump-sum payout of the account during October

Let us make your holiday season a little easier!

MONEY MARKET ACCOUNTS

 

MONEY MARKET DEPOSIT ACCOUNTS
The money market deposit account is a liquid, higher yielding savings account designed for the saver who has at least $1,000.00 to invest.

• Competitive tiered interest rates according to balance level
  
• Minimum opening balance of $1,000.00
  
• Monthly statements. Withdrawals limited to 6 per month.
  
• $2.00 monthly service charge if balance falls below $1,000.00

 

MONEY MARKET PLUS ACCOUNT
A higher yield savings account for the customer seeking greater return on deposits of $25,000.00 or higher.

• Minimum opening balance of $25,000.00
• Tiered rates according to balance level
  
• Monthly statements
  
• Withdrawals limited to 6 per month (only 3 by check)
  
• $25.00 monthly service charge if balance falls below $25,000.00

CDs

 

CERTIFICATES OF DEPOSITS
A State Bank of Davis Certificate of Deposit (CD) provides attractive rates on those funds that you can commit for various lengths of time. We offer a wide range of CD terms that can meet your individual longer-term savings goals.

• Available in terms ranging from three months to five years.
• Minimum opening deposit of $1,000.00
• Earn competitive rates of interest
• Interest penalty may be imposed for early withdrawal

Contact a Customer Service Representative for current rates

IRA ACCOUNTS
Saving for your golden years makes good sense. An IRA from the State Bank of Davis can be used to supplement other pension and social security income you anticipate. We offer Traditional, Roth, Educational, SEP and SIMPLE IRAs.

Contact one of our IRA specialists to discuss options and learn of current interest rates.

LOANS

 

The loan professionals at the State Bank of Davis invite you to talk with them today. We offer competitive interest rates with flexible terms to help make your dreams come true!

MORTGAGE LOANS
It is likely that your home is the largest single investment you have made or will make. That is just one reason why the State Bank of Davis can help you with your home buying needs. We can tailor the perfect mortgage loan to make buying, building, renovating, or refinancing your home affordable for you. State Bank of Davis is an Equal Housing Lender.

• Construction Loans
  
• Balloon Mortgages
• Conventional, long-term fixed rate loans
• Refinancing
• FHA, VA and Rural Development Loans
• Home Equity loans
  

 

 

CONSUMER LOANS

Auto
Boat/Camper/RV
Vacation
Education
other Personal loans

BUSINESS LOANS/COMMERCIAL & AGRICULTURE

Lines of Credit
Letters of Credit
Equipment
Real Estate
Leases
Illinois Linked Deposit Program Loans
Illinois Farm Development Authority
Beginning Farmer Loans
Farmer Mac II

ADDITIONAL SERVICES

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Bank-by-Mail	Direct Deposit
Safe Deposit Boxes	Federal Tax Depository
Money Orders	Property Tax Collection
Night Depository	Credit Cards
Overdraft Protection	ATM/Debit Cards
Traveler’s Checks	Funds Transfer
Wire Transfers	And Much More!
Cashiers Check