Lumberjack Scramble
WinterShoreling

Helping you build the Bemidji area since 1910

Personal Savings

Apply for Account Online

Complete Savings Application Online [secure online form]


Certificate of Deposits

Security BankUSA pays competitive interest rates on CDs and are insured to $250,000 by the FDIC. Call toll free for current rate quotes: 1-888-761-5879 or click here for current rates.


Personal Savings and Money Markets
Account Type Opening Deposit Minimum Balance to Avoid Service Charges Monthly Service Charge
Personal Savings More $100 $100 $1 if balance below $100
Minor Savings More $25 $0 $0
Money Market Savings Account More $1,000 $1,000 $6 if balance below $1,000
USA Money Market Account More $10,000 $1,000 $10 if balance below $1,000

Fees could reduce earnings on accounts. Interest rates may change on account after opening. MEMBER FDIC


IRA Accounts*

  • IRA Variable
  • Roth IRA
  • Education Savings

*For disclosure of interest rates, compounding and crediting and other balance information, contact one of our personal bankers at 751-1510. All accounts can be accessed day and night with our online banking or 24-Hour phone Banking.


Health Savings Account*

Health savings accounts are for individuals and families covered by a high deductible health insurance plans.

  • No set up fee
  • $100 minimum deposit
  • $25.00 transfer out fee
  • $25.00 closing fee
  • E-statement
  • Checks or debit card
  • Pays interest at a variable rate

* Interest rate and fee may change after account is opened. Fees may reduce earnings. MEMBER FDIC


Personal Savings*

  • Interest compounded semi-annually
  • Pays interest at a variable rate
  • Four withdrawals allowed per month - more than four are .25 cents each

Minor Savings*

  • A FREE savings account for minors, up to age of 18,
    then converts to Passbook Savings
  • Interest compounded semi-annually
  • Pays interest at a variable rate

Money Market Savings Account*

  • Traditional Money Market Deposit Account
  • Open with a $1000 minimum opening balance and maintain
    $1,000 minimum balance to avoid service charges
  • Interest compounded and credited monthly
  • Pays interest at a variable rate

Personal Savings*

  • Tiered Money Market Deposit Account
  • Open with a minimum opening balance of $10,000 and a minimum balance of $1,000
  • Interest compounded and credited monthly
  • Pays interest at a variable rate