Savings & CDs

Whether you are interested in saving for retirement or saving for next year, MidAmerica National Bank has a variety of options to meet your changing needs. From savings accounts to CDs, our personal bankers can help you find the best way to meet your savings goals.

Savings Accounts
Savings accounts are the most flexible way to save. A $100 minimum deposit opens an account (excluding minors), and your savings account earns daily interest that is compounded and paid quarterly.

Please note that, in accordance with Federal Regulation D, MidAmerica is required to limit withdrawals from your savings or money market deposit account. Withdrawals in excess of six per calendar month or statement cycle may result in a fee or account closure. To find out more about Regulation D and learn what types of transfers and withdrawals are limited, please read our Regulation D information sheet.

Round Up Savings
Round Up Savings is a smart, easy way to grow your savings account. Each time you make a purchase with your debit card, the transaction is rounded up to the next dollar, and the difference is automatically transferred to your savings account. For example, if you make a purchase for $9.25 with your debit card, your checking account will be debited for an even $10.00, and $0.75 will be transferred to your savings account. You'll be surprised how quickly your savings account builds, and you might find the even dollar amounts to be much easier to keep track of in your check register! 

Get signed up! Stop by to see a personal banker at any of our locations. Round Up Savings is only offered to MidAmerica National Bank MasterCard debit cardholders. ATM cards/transactions are not eligible. 

Health Savings Accounts
High healthcare costs can put a strain on a family budget. A MidAmerica National Bank Health Savings Account (HSA) helps provide an affordable way of paying for healthcare expenses while allowing you to save for the future at the same time.

Visit for complete rules including High Deductible Health Plan qualifications and contribution limits.

See a personal banker at any of our locations to open your HSA. 

Insured Money Market Accounts (IMMAs)
IMMAs are designed for customers who have a large amount of money to invest, yet need ready access to their funds. These accounts typically earn a higher rate than a regular savings or N.O.W. account. A minimum balance of $2,500 is required to earn the Money Market rate (which is subject to change). Transfers from IMMAs to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle. If balance falls below $2,500.00, a $10.00 fee will be charged per month with no interest paid. Subject to credit approval. 

Certificates of Deposit (CDs)
CDs are available in many different terms (varying maturity from 90 days to 5 years), with varying interest rates. Interest is paid monthly, quarterly, semi-annually or annually and may also be left to compound to maturity. Certificates may be automatically renewed.

By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information visit