Personal Savings & Time Deposits

Offering a range of personal account options

Gold Key Savings Account

Open a savings account that is readily accessible. If you need a simple, convenient, day-to-day savings account, we suggest this account. You can make unlimited deposits.

Vacation Club Account

Begin making plans for next year's vacation today. With our Vacation Club Account, you can afford it!

Christmas Club Account

Saving now means extra spending money for the holidays—just when you need it most!

Certificate of Deposit

Earn competitive market rates with a Rayne State Bank Certificate of Deposit.

Gold Key Savings Account

You can even have money directly deposited into your Gold Key Savings Account from your Rayne State Bank Checking Accounts. You should keep your account open for at least six months to avoid any penalties. Open with as little as $100.00.

Deposit To Open - $100
Minimum Balance to Avoid Service Charge - $300
Monthly Service Charges - A monthly service fee of $2.50 will be assessed each month if the average daily balance in the account falls below $300.00. No monthly service fee will be charged if the statement is combined with the DDA statement or sent via E-Statement.
Transaction Limitations You may make no more than six withdrawals, including any combination of automatic, telephonic, or Internet transfers, ACH or other similar transactions, from your account per calendar month. All other types of withdrawals are unlimited. If you exceed these limits, a letter will be mailed explaining that either the account will be closed or account type changed to a transaction account.
Transaction Fee - NONE
Interest & Method of Payment - A Tiered Interest Rate Structure. Interest is compounded and credited quarterly; the daily periodic rate is calculated on the average daily balance.
Statement Check Imaging - N/A
24-Hour ATM/Debit Card - N/A
Telephone Voice Response - Free

Vacation Club Account

Imagine yourself on that cruise you've been looking forward to, or maybe it's that family trip to your favorite theme park. Wherever your destination, you'll be able to afford it when you put aside a little money throughout the year. You can even have money directly deposited into your Vacation Club Account from your Rayne State Bank Checking and Savings Accounts. When the time is right, just withdraw the amount you need. Plus, you'll have the interest earned on your account to add to your vacation fund! Open with as little as $5.00.

Christmas Club Account

Put aside a little each week or month and make next year's Christmas a little easier. You can even have money directly deposited into your Christmas Club Account from your Rayne State Bank Checking or Savings Accounts. In October, you'll receive the money you've saved, along with interest, just in time to start shopping! Open with as little as $5.00.

Certificate of Deposit

If you need a guaranteed annual percentage yield, without day-to-day access to your money, consider a Certificate of Deposit ("CD"). Rayne State Bank offers a wide selection of CDs for an individual's changing needs. Whether you want a short-term or long-term investment, our options will interest you.

Choose terms from 90 days to 5 years, with interest rates guaranteed for the length of the term you've selected. Interest is not compounded, but can be paid directly to you by check or deposited into another Rayne State Bank account monthly, quarterly, semi-annually or annual.

You can even automatically renew your CD upon maturity at new rates. Be sure to ask for any new promotions too! Open with as little as $1,000.00. Check out our rates!