Business Savings Plans

Whether you’re looking to develop a savings plan to assist with a future expansion or an account for emergency savings, we have a variety of plans to meet your goals.

Business Statement Savings

A great account that lets you start small and build as your business grows.


  • Low minimum balance requirement
  • Unlimited in-person deposits
  • Monthly statement
  • e*Business-Solutions access available


  • Minimum Balance: $200 
  • Limited to 6 withdrawals per cycle 1
Monthly Charges:

  • $3.00/month charge for each month the monthly balance is not maintained
  • $1.00 charge per debit over 6 debits per cycle

Business Money Market

Need a rainy day fund or a place to save for a future capital expense? Check out our Business Money Market account.


  • Check privileges available
  • Tiered balances to maximize earnings
  • e*Business-Solutions access available


  • Minimum Balance: $2,500
  • Limit to 6 withdrawals per cycle 1
Monthly Charges:

  • $8.50/month charge for each month the monthly balance is not maintained


Certificate of Deposit (CD)

Ideal for saving, our Certificates of Deposit (CDs) offer flexible terms and secure & steady growth, all with the peace of mind FDIC Insurance has to offer.

Build your portfolio by laddering your CD terms to reach your financial objectives. When your CD matures, you have the option to renew, or use your funds to achieve your savings goal.

These financial tools should be a foundation in your investment mix.

Conventional CDs

  • Competitive rates. Contact your Personal Banker to learn about our specials! 
  • Low minimum balance requirements. 
  • Convenient automatic renewal. 2
  • Compounded interest payments for the highest yield. You may also choose to have interest payments directly deposited to another account with McFarland State Bank. 

In addition to conventional CDs, we also offer these specific & unique products:

Bump & Add-On CD

Unique to our three year term, this CD offers the benefit of a savings account with the return of a certificate. Once during the term, you can exercise your option to raise your rate if our rates for this product increase. Contact us to request this one-time “bump”. You can add to the principal balance of this CD, in a minimum of $500, any time throughout the term!


Looking for FDIC Insurance on deposits exceeding $250,000 and desire the convenience of working with one bank? CDARS may be the answer - a perfect blend of security and convenience!

As a CDARS member, McFarland State Bank is able to offer the full protection of FDIC insurance on multi-million dollar Certificates of Deposit through just one depository account!

Prior to CDARS, deposits in excess of $250,000 had to be spread out at different financial institutions or titled differently in order to be fully insured by the FDIC.

With CDARS , you sign just one deposit agreement with McFarland State Bank and still have full insurance protection on multi-million dollar values.

One Bank. One Rate. One Statement.

Visit our Online Education Center for a tour of CDARS and its great benefits!

Tour CDARS Now!

For more information on our CD/IRA options, please contact one of our Personal Bankers today at 866.826.2265!

1. Limitations based on transaction type. Contact a Customer Service Representative for more information.

2. There may be a penalty for early withdrawal.