Passbook Savings

Current Rates**

  PRODUCT RATE APY%*
SAVINGS Passbook Savings 0.80 .0.80%
  Christmas Club 0.80 0.80%
  Money Market 0.90 0.90%

*APY means Annual Percentage Yield
**This rate and yield effective for balances greater than $2,500.00 otherwise the regular
Passbook Savings rate is earned.

Out-of-state deposits will not be accepted.  Midstate Federal reserves the right to refuse any deposit or request for a savings account.

Passbook Savings Accounts

  • This account allows unlimited deposits and withdrawals.
  • It takes as little as $10.00 to open and $25.00 to earn stated yield.
  • Interest is compounded daily and credited monthly.
  • Interest may be mailed monthly, quarterly, semi-annually or annually.
  • Interest can also be transferred to any other Midstate account in the same way as stated above.
  • The rate may change at any time without limit and prior notice.

**Rates as of 08/08/2011

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Christmas Club














  • This account allows unlimited deposits and withdrawals.
  • It takes as little as $10.00 to open and $25.00 to earn stated yield.
  • Interest is compounded daily and credited monthly.
  • The rate may change at any time without limit and prior notice.
  • Checks for the balance are mailed around the end of November.

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Money Market

  • This account allows unlimited deposits and withdrawals.
  • It takes as little as $100.00 to open and earn stated yield.
  • Interest is compounded daily and credited monthly.
  • Interest may be mailed monthly, quarterly, semi-annually or annually.
  • Interest can also be transferred to any other Midstate account in the same way as stated above.
  • The rate may change at any time without limit and prior notice.
  • A higher balance earns a higher rate of return. When the balance reaches $2,500.00, the Annual Percentage Yield increases.

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