• Certificates of Deposit
• Money Market
• Individual Retirement Accounts
• Health Savings Accounts

Certificates of Deposit

Adams County Bank offers many different terms, conditions and rates on our Certificates of Deposit. A Certificate of Deposit may be opened with a minimum of $500.00. Interest on terms of six months up to thirty-six months is paid quarterly and may be re-deposited to the certificate of deposit, mailed by check, or deposited to another Adams County Bank account.

Money Market

• Minimum $1,000 deposit to open account
• Check Imaging Statement
• Free Internet Banking
• No service charges if $1,000 monthly average balance is maintained
• Interest is compounded and credited to your account every statement cycle**
• Account is limited to 6 debits per month, no more than 3 may be made by check, draft or debit card.

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Individual Retirement Accounts  

Whether you are saving for your retirement, saving for your child’s college education or funding your business retirement plan, we have a plan that will suit your needs.

We accept transfers and rollovers from other Financial Institutions or Qualified Retirement Plans. Please contact our Customer Service Representatives for assistance in opening an account or assistance with any related questions.

• Traditional IRA’s
• Roth IRA’s
• Education IRA’s
• Simplified Employee Pension Plans (SEP)
• Simple IRA’s

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Health Savings Accounts *

A Health Savings Account (HSA) is a tax-exempt custodial account established exclusively for the purpose of paying or reimbursing medical expenses of you, your spouse and your children.

Eligibility:

You are eligible to make a HSA contribution if you:

• Are covered under a high-deductible health plan
• Are not also covered by any other health plan
• Are not enrolled in Medicare
• Cannot be claimed as a dependent on another person’s tax return

Contributions:

If you qualify for a HSA, you, your employer, your family members, and any other person (including non-individuals) may contribute to your HSA. This is true whether you are self-employed or unemployed. The maximum annual contribution amount is generally 100% of the annual medical insurance deductible.*

Other Benefits:

• Contributions are deductible
• Contributions made by an employer may be excluded from employee’s gross income
• Earnings grow tax deferred
• Distributions for qualified medical expenses are tax free
• “Portable” account stays with you if you change employers or leave the work force
• A “catch-up” contribution is available for individuals who are age 55+ 

Please contact our Customer Service Representatives for assistance in opening an account or assistance with any related questions.

*Consult with your tax or legal professional for guidance,
**Rates subject to change weekly. Interest is calculated on average daily collected balance.

For current rates, contact the Adams County Bank in Kenesaw at 402-752-3235 or in Juniata 402-751-2120.

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