Savings accounts

An important part of your financial wellness is saving money – for emergencies, for special purposes, and for risk-free earnings. Shelby State Bank has you covered with savings accounts to suit whatever you are saving for!

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Personal Savings Accounts

Whether you are looking for an account to save for emergencies or a place to build a nest egg for retirement, we have an account to help you get there. Each of our savings accounts earn a competitive rate of interest because we know it’s important that your money works hard for you.

All savings accounts include a free ATM card with no-fee SSB ATM transactions, free online banking, free mobile banking, free mobile deposits, free telephone banking and can be linked to your Shelby State Bank Checking account to protect you from overdrafts.

We are at your service and welcome you to stop by any of our branch offices to open a new account. If you prefer, you can set an appointment ahead of time and we will have everything you need waiting for you! Call the office of your choice today! 

Personal Savings


Money Market Accounts

Tiered interest on your money market balance gives you a more attractive return while still giving you easy access to your money, including ATMs and check writing. (Some limitations may apply.)

CDs and IRAs

Click here for more information about these accounts.

For maximum convenience when opening a new savings account, set up an appointment ahead of time and we’ll have everything you need waiting for you! Call the office of your choice today!

ATM Cards

All personal savings accounts are accessible with our free ATM card and mobile banking app. To order your ATM card stop by or call your local Shelby State Bank office.

To report a lost or stolen card 24/7, call 1-800-472-3272 24 hours a day or contact your local SSB office immediately during regular banking hours. If you have the Shelby State Bank mobile app, use the CardValet® Card Controls to turn your ATM or debit card “off” until it is found or replaced. If you don’t have our app yet, download it from the App Store or Google Play today!

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FDIC Deposit Insurance

All Shelby State Bank deposit accounts are insured up to $250,000 by FDIC. For more information or to estimate your current FDIC coverage, please visit the FDIC (Federal Deposit Insurance Corporation) website at

Christmas Club and Vacation Club

For life’s special occasions, a winning strategy is to save over time and then receive the funds back with interest when you’re ready to move forward. Christmas Club accounts are a popular way to prepare for the holidays, while Vacation Club accounts help you prepare for your getaways and adventures.

Christmas Clubs pay out in October; Vacation Clubs pay out in May.