Savings Accounts

At Bank of Prairie du Sac, there is a Savings Account for every stage of your life. As one of the top-rated banks in the United States in both strength and stability, we are an ideal choice for safeguarding the future.

Regular Savings

A basic savings account that meets all of your everyday banking needs. With just $100 opening balance, you are ready to get started. Interest is compounded daily and paid quarterly.

  • Minimum Opening Balance:  $100
  • Monthly Service Fee:  $3.00 (charged when Minimum Balance is not met)
  • Minimum Balance Required to Avoid Monthly Fee:  $100 Average Daily Balance
  • Transaction Limit of 6 per month or monthly statement cycle.1
  • Earns Interest2

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Money Market

Enjoy a higher return on your savings, combined with the flexibility of a checking account. Our money market savings account features a competitive tiered interest rate, unlimited in-person transactions, and 6 remote transactions. Open an account with $2,500 or more. Penalty may be imposed for early withdrawal.

  • Minimum Opening Balance:  $2,500
  • No Monthly Fee
  • Transaction Limit of 6 per statement cycle
  • Earns Interest2

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Certificate of Deposit

Want to save for something in the future, and don’t need the funds before then? Earn higher interest rates by “locking in” your savings funds for a specified amount of time. Choose from terms from 91 days to 3 years. Funds are subject to an early withdrawal penalty.

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91 Day

183 Day

1 Year Plus

2 Year

3 Year


Kid's Savings Accounts

Graduation CD

Designed to help your child save before graduation. Great for college savings! Open an account with $500 or more, and make unlimited deposits in the amount of $100 or more. Choose terms ranging from one to three years, and the account will automatically renew until the child reaches age 18. Funds are subject to an early withdrawal penalty.

Eaglee's Savers Club

Our savings account for children ages 12 and under. Teach the children in your life about saving money with our mascot Eaglee Eagle! Kids can start an account with only $10 for their opening balance. There's no monthly service fee, and kids receive fun prizes when their account balance hits certain amounts. Receive a free Eaglee Eagle t-shirt at an account balance of $50 and an Eaglee Eagle stuffed animal when the balance reaches $100.


More Ways to Save

Individual Retirement Accounts (IRA)

It’s never too early to save for retirement. Bank of Prairie du Sac offers a variety of retirement plans, including:

  • Traditional IRAs
  • Roth IRAs
  • Simplified Employee Pension (SEP)
  • SIMPLE plans

Consult with your tax advisor for eligibility information, and to see if contributions may be tax deductible. Penalties may be imposed for early withdrawal.

Christmas Saving Account

Simplify the process of saving for holiday shopping or another goal. Establish automatic transfers from your Checking Account into a Christmas Savings Account, so you can save for your goal in manageable amounts.

  • Minimum Opening Balance:  $25
  • Quarterly Service Fee:  $1.00 (charged when Minimum Balance is not met)
  • Minimum Balance Required to Avoid Quarterly Fee:  $25 Average Daily Balance

Interest is compounded daily and paid quarterly. Get started with a minimum opening balance of $25 or more.

Health Saving Account

With the rising cost of health care and health insurance, the Health Savings Account is a great way to save money on health care costs. Contributions, earnings, and withdrawals are tax deductible when used for qualified expenses and unused funds carry over from year to year.

Talk to your tax advisor to see if you’re eligible.


Open Account

Open Online

Your account is just a few steps away. Click Apply Now for the account of your choice to open your account online. Here are a few things you'll need:

  • You must be 18 or older, in order to verify your identity online
  • A PDF viewing software
  • A method to fund your account, or a deposit to bring into our office

Open In-Person

Stop by either of our offices, walk-ins are welcome! Call us at 608.643.3393 if you would like to set an appointment in advance. Bring these items with you:

  • 2 forms of identification
  • Funds to meet the minimum balance
  • A parent or guardian if you are under age 18

Compare Accounts

1 A per debit charge fee of $2.00 will be charged for each transaction in excess of 6 withdrawals per month. Fee does not apply to individuals 18 and under.
2 Minimum balance required to earn interest.
3 Separate application required.
4 Penalty may be imposed for early withdrawal.