Henderson Federal Savings Bank offers the very best in personal and small business deposit products. We have courteous professionals who know you and understand your need for a successful banking relationship. We are committed to providing you the best in financial services possible.

Henderson Federal Savings Bank gives you many choices of Deposit Products. Each product has its own unique benefits and advantages. Our Customer Service Representatives will assist you in selecting the best product to achieve your financial goals.

Evaluate for yourself how simple it is to change your accounts.

Regular Checking

Our Regular Checking is a non-interest bearing account that offers unlimited check writing privileges and a monthly statement with check images. A minimum deposit of $500.00 is required to open this account. A service fee charge of $5.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle. This account is available for both small business and personal use.
All other fees apply.

Basic Checking

Our Basic Checking Account is a non-interest bearing account that offers you unlimited check writing privileges, no minimum monthly balance requirement, and a monthly statement with check images. This account does not have a monthly service fee; however, it does require a $100.00 minimum opening deposit. All other fees apply.

NOW Checking

Our NOW Account is an interest-bearing checking account offering a competitive rate of interest. You have unlimited check writing privileges and a monthly statement with check images. This account carries a $500.00 minimum opening deposit and $500.00 minimum balance requirement. The minimum balance must be maintained in order to earn interest. A service charge will be assessed if balance falls below the minimum balance requirement. All other fees apply.

Student 1st Checking

Our Student 1st Checking Account is available to students age 15 to 25 years of age. A parent is required on the account if student is under 17 years of age. The minimum deposit required to open this account is $25.00. This is a non-interest bearing account. There is no minimum balance requirement or service charges. You have unlimited check writing privileges and a monthly statement with check images. This account is provided as an educational and financial service. All other fees apply.

Freedom Checking

Our Freedom Checking Account is available to customers 55 years of age or over. This account offers a competitive rate of interest and requires a $100.00 deposit to open. A $500.00 balance must be maintained to earn interest. There is no monthly service fee. You have unlimited check writing privileges and a monthly statement with check images. Your first basic check order will be free of charge. All other fees apply.

Super Now Checking

Our Super Now Checking earns a higher interest rate than our other checking accounts. This account requires a $1,000.00 deposit to open account. A $1000.00 balance must be maintained in order to earn the higher rate of interest and to avoid a monthly service charge. You have unlimited check writing privileges and a monthly statement with check images. All other fees apply.

Our Money Market Account allows you to write checks and receive a higher rate of interest. In order to earn a higher rate of interest and be exempt from a monthly service charge, you must maintain a minimum balance of $500.00. You will receive a monthly statement with check images. This account requires a $1,000.00 minimum opening deposit.

You are limited by law regarding the number of transactions you conduct per statement cycle. You are limited to six checks per statement cycle. Customers may, however, make unlimited transfers and withdrawals if made in person.

Our Money Market Account provides for a tiered rate of interest for accounts carrying higher balances. Talk to one of our Customer Service Representatives for more information. All other fees apply.

Our Statement Savings Account provides a simple and easy way to begin saving. This account earns interest at a fixed rate of interest. Interest is compounded and posted quarterly. You must deposit a minimum of $200.00 ($25.00 for minors) to open this account. A minimum balance fee will be imposed if the account balance falls below $200.00. The minimum balance fee does not apply if account is set up for a minor. You will receive a quarterly statement on this account.

Conventional Certificate of Deposit

We offer competitively priced CD’s that are designed to give you the flexibility of choosing the term and interest rate combination that meets your financial needs. Choose from our fixed-rate terms ranging from 3 months to 5 years. A $500.00 minimum deposit is required. Choose the option of having your interest compounded to your certificate, paid by check or credited to another account at our bank. A penalty may be assessed if any of the principle is withdrawn prior to the maturity date.

Jumbo Certificate of Deposit

Our Jumbo Certificates of Deposit offer competitively priced rates that are designed to give you the flexibility of choosing the term and interest rate combination that meets your financial needs. Choose from our fixed-rate terms ranging from 3 months to 5 years. A $90,000.00 minimum deposit is required. Choose the option of having your interest compounded to your certificate, paid by check or credited to another account at our bank. A penalty may be assessed if any of the principle is withdrawn prior to the maturity date.

IRA CERTIFICATES

We offer traditional, educational and Roth IRAs to satisfy your investment and retirement plans. Choose from our fixed-rate terms ranging from 6 months to 5 years. A minimum deposit of $100.00 is required. A substantial penalty may be imposed for early withdrawals. Eligible individuals may make tax-deductible contributions with some types of IRA’s. Please consult your tax professional for eligibility requirements. One of our experienced Service Representatives can assist you with more details.