YOUR FUTURE STARTS HERE

START SAVING TODAY

Our Money Market Savings account is like a simple savings account, only better. With above-average rates, below-average minimums, and one of the lowest service fees around, it's the smart way to grow your future—and theirs.

MONEY MARKET SAVINGS

ACCOUNT BALANCE | APY*
Up to $1,499.99_______ 0.10% APY
$1,500 - $4,999.99____APY: 0.15%
$5,000 - $9,999.99____APY: 0.15%
$10,000 - $24,999.99__APY: 0.15%
$25,000 - $49,999.99__APY: 0.15%
$50,000 and up________APY: 0.15%

START SAVING TODAY

Mortgage Cash

IT ONLY TAKES $100.

Our Money Market Savings account offers one of the lowest minimum requirements to open, at just $100.
low service fees

NO SERVICE FEE.

Opening a savings account is about saving money; that's why we don't charge a service fee if you maintain a balance over $100. If your balance falls below the $100 minimum, there's a low $2/month service fee.
tiered interest rates

TIERED INTEREST RATES.

Interested in interest? We offer tiered interest rates based on your account balance. The more you save, the more your account earns—it's like free money!
3 free withdrawls

3 FREE WITHDRAWLS.

We don't nickel-and-dime you. Your first 3 monthly withdrawals are free, and it is only $1 per withdrawal after that.*
savings accounts for kids

KIDS SAVE FOR FREE!

Get them started early. We waive all service fees for accounts opened for children under 18 years old.
What about your college student? We also waive all fees for college students under 24 years old (with a college ID).
transfer money

EASY TO TRANSFER.

We make it easy to save. Automatically transfer money from your Adams Bank & Trust checking account directly into savings—fee free.
ACCOUNT BALANCE | APY*
Up to $1,499.99_______ 0.10% APY
$1,500 - $4,999.99____APY: 0.15%
$5,000 - $9,999.99____APY: 0.15%
$10,000 - $24,999.99__APY: 0.15%
$25,000 - $49,999.99__APY: 0.15%
$50,000 and up________APY: 0.15%
1 Each additional withdrawal after the first 3 per month is assessed a fee of $1 per withdrawal. Maximum of 6 withdrawals per month. 2 The interest rate and annual percentage yield may change after account opening.

ADDITIONAL PERSONAL SAVINGS ACCOUNTS

chart graphic

INDIVIDUAL RETIREMENT ACCOUNT (IRA)

Bank IRAs are a safe way to save for retirement as they are FDIC insured and offer steady returns.*
- $500 minimum to open
- Roth IRA
- Traditional IRA
- One-time $50 account establishment fee*

LEARN MORE

*1) Consult a tax professional to maximize benefit. *2) The $50 account establishment fee is separate and in addition to the minimum opening deposit.


health savings account

HEALTH SAVINGS ACCOUNT (HSA)

Save for future medical expenses for yourself and your covered dependents on a federal tax free basis.*
- $100 minimum to open
- $5 monthly service fee with eStatements
- $8 monthly service fee with paper statements
- Make deposits on a federal tax free basis*
- A qualified high deductible health plan (HDHP) is required to establish a health savings account(HSA)
- One-time $25 account establishment fee*

LEARN MORE

*1) Consult a tax professional to maximize benefit. *2) The $25 account establishment fee is separate and in addition to the minimum opening deposit.

INTERESTED IN A LARGER INVESTMENT?

CERTIFICATES OF DEPOSIT (CDs)

A variety of terms ranging from 6 to 60 months makes it easy to meet your investment needs. 

LEARN MORE

CDARS

Enjoy the convenience of one rate, one statement, one bank. Your money will receive multi-million dollar FDIC insurance.

LEARN MORE

START SAVING FOR YOUR FUTURE TODAY

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YOUR FOUNDATION FOR FINANCIAL SUCCESS

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You are navigating to an external website. Please be advised that you are leaving the Adams Bank & Trust website. Adams Bank & Trust does not control the content of third party websites and cannot guarantee the products and services provided on these websites are insured by any federal government agency.

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You are navigating to an external website. Please be advised that you are leaving the Adams Bank & Trust website. Adams Bank & Trust does not control the content of third party websites and cannot guarantee the products and services provided on these websites are insured by any federal government agency.

Investment Products are:

NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE

Routing Number 104113958

NMLS# 469371

800.422.3488

©2026Adams Bank & Trust

info@abtbank.com
PO Box 720 315 N Spruce St Ogallala, NE 69153

Navigating to External Website

You are navigating to an external website. Please be advised that you are leaving the Adams Bank & Trust website. Adams Bank & Trust does not control the content of third party websites and cannot guarantee the products and services provided on these websites are insured by any federal government agency.