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What are your bank hours? What is your routing number? What are your interest rates?

The woman hand is putting a coin in a glass bottle and a pile of coins on a brown wooden table,Investment business, retirement, finance and saving money for future concept.

Personal Savings

Build your emergency fund or save for something special with our Personal Savings account. Easily transfer money from checking and grow your savings with competitive interest rates and convenient access.

Current Rates

Rates effective as of 06/30/2025.
*APY = Annual Percentage Yield
**Interest rate is variable and may change after the account is opened.
See account disclosures for additional account information.

PLEASE NOTE:  APY assumes interest remains on deposit.  A withdrawal or fees could reduce earnings.  A penalty will be imposed for early withdrawal.  Rate changes are made at the Bank’s discretion.  Rates are subject to change without notice.

Type Minimum Deposit to Open Variable Interest Rate APY* Interest Frequency Early Withdrawal Penalty
Type
Regular Savings**
Minimum Deposit to Open
$50.00
Variable Interest Rate
0.05%
APY*
0.05%
Interest Frequency
Quarterly
Early Withdrawal Penalty
none
Type
Youth Achievement Account**
Minimum Deposit to Open
$0.00
Variable Interest Rate
0.25%
APY*
0.25%
Interest Frequency
Quarterly
Early Withdrawal Penalty
none
Benefits
  • Interest credited quarterly
  • $50 minimum balance to avoid a $3.00 quarterly service charge (waived for minors)
  • Free e-statements, online, and mobile banking
  • $50 minimum to open
  • Up to six monthly withdrawals/transfers allowed

Open your account today at Flanagan State Bank, where we treat you like family. Contact us or visit a branch to get started.