A variety of accounts are available through KS StateBank. They offer a variety of personal deposit accounts. Those accounts include checking accounts, savings and money market accounts, and CDs. KS StateBank offers regular CDs and jumbo CDs. The CD terms range from six months to seven years. They also offer business accounts.

Most KS StateBank accounts have low amounts required to open the accounts. The checking and savings account require $100 to open. The regular CDs require $500 to open. The Jump Up CD requires $1,000 to open, and the MMA requires $2,500. The jumbo CDs do require $100,000 to open.

The Checking Plus account and CDs offer competitive interest rates. The savings and money market accounts offer slightly lower rates. Those rates are still good rates for online accounts. These rates are competitive with other online-only accounts. The rates are much higher than typical brick and mortar bank rates.

KS StateBank accounts do not have monthly maintenance fees. The accounts do not have required account balances to avoid monthly fees. There is a fee for paper statements or if you make more withdrawals each month than allowed.

Not all KS StateBank accounts are available online. The online checking account is only for residents of Kansas, Missouri, and Arizona. The other online accounts include a savings account, money market account, and CDs. Those accounts are available for any citizens around the United States. Open other accounts by visiting a local branch location.

The KS StateBank money market account has tiered interest rates. To earn the most competitive rate requires a balance of $100,000. Amounts under $100,000 earn interest, just not the most competitive rate. This account requires $2,500 to open. There is no required amount to keep in the account; you earn lower rates depending on your balance.

The interest rates for KS StateBank jumbo CDs are the same as their regular CDs. They do not offer higher interest rates. The jumbo CDs require $100,000 to open. Jumbo CDs are only for consumer accounts. They must be opened online.

KS StateBank has a fee for electronic transfers made between banks. They do not charge a fee for money transferred from another bank into your KS StateBank account. However, there is a $3.99 fee for each transfer made from KS StateBank to another financial institution.

Read the full KS StateBank review.

Langley Federal Credit Union offers a wide variety of accounts. They have an MMA, savings accounts, youth accounts, and a holiday savings account. They offer four checking accounts and a variety of CD terms. The CD terms range from three months to five years. Langley also offers loans, credit cards, and business accounts.

The accounts offered through Langley have competitive interest rates. The rates are competitive with other online account rates. The CDs, money market account, and platinum checking account earn competitive rates. The Langley Saves account earns competitive rates for the first $1,000.

Most Langley accounts have low opening required amounts. The savings accounts each only require $5 to open. Only the Platinum checking account has a set amount required to open the account. That account requires $10,000 to open. The regular CDs require $1,000 to open. The promotional CDs require more. The MMA does not have an amount required to open the account.

Only the Langley Essential checking account has a monthly fee. This checking account is for those with bad or no credit. This account offers a debit card, online and mobile banking, and bill pay. The monthly fee is $5. The other Langley accounts do not have fees.

Some Langley accounts have tiered interest rates. The Platinum MMA requires a balance of $250,000 to earn the most competitive rate. Traditional money market accounts require $100,000 for the best rate. The Platinum checking account requires $10,000.

Langley offers promotional CDs with more competitive interest rates. Two of these terms have high opening required amounts. The 11-month CD requires $100,000 to earn interest and the 29-month CD requires $50,000. The other promotional CDs only require $1,000 to open, but they are for new deposits only.

To open accounts with Langley FCU, you must first become a member of the credit union. You are eligible for membership if you work for a specific company. Member of certain organizations or that attend certain schools are eligible. Family members of other members are eligible. You can also join an organization to become a member of Langley FCU.

Langley has a daily withdrawal limit. Members can withdraw up to $600 per day, per account, if your account has sufficient funds. There is also a $600 limit with point-of-sale transactions.

Read the full Langley Federal Credit Union review.