Welcome to Houghton State Bank, a cornerstone of the Red Oak community for over a century. Established in 1903, we stand firm in our commitment to providing our valued customers with exceptional banking services and financial guidance.
Our Mission
"Empowering individuals and businesses in Red Oak and the surrounding areas with tailored financial solutions that foster financial well-being and community prosperity."
Personal Banking
* Checking accounts: Convenient access to your funds with our competitive checking options.
* Savings accounts: Grow your savings with our attractive interest rates and flexible terms.
* Money Market accounts: Earn higher returns on your short-term funds.
* Certificates of Deposit (CDs): Secure your funds for a fixed term and earn competitive rates.
* Mortgages: Homeownership made easy with our personalized mortgage solutions.
* Home Equity Lines of Credit (HELOCs): Access funds using your home as collateral.
Business Banking
* Business checking accounts: Streamline your business finances with our tailored checking accounts.
* Business savings accounts: Secure your business's funds and earn competitive interest.
* Business loans: Fuel your business growth with customized loans tailored to meet your specific needs.
* Commercial real estate loans: Acquire or expand your commercial property with our flexible financing options.
* Online banking: Manage your business finances from anywhere with our secure online banking platform.
Beyond traditional banking, we offer comprehensive financial planning and advisory services to empower you with the knowledge and tools you need to achieve your financial goals.
As a deeply rooted part of the Red Oak community, we believe in giving back to those we serve.
Our dedicated team of professionals is committed to delivering outstanding service. They are passionate about helping you achieve your financial goals and building lasting relationships.
As a member of the Federal Deposit Insurance Corporation (FDIC), we adhere to the highest standards of banking practices. We are committed to providing our customers with:
Account Type | Annual Percentage Yield (APY) |
---|---|
Basic Checking | 0.01% |
Prime Checking | 0.10% |
Savings Account | 0.25% |
Money Market Account | 0.50% |
1-Year CD | 1.00% |
3-Year CD | 1.50% |
5-Year CD | 2.00% |
Loan Type | Interest Rate (APR) | Term |
---|---|---|
Personal Loan | 8.99% - 14.99% | 12 - 60 months |
Auto Loan | 3.99% - 7.99% | 36 - 72 months |
Home Equity Loan | 5.99% - 9.99% | 10 - 15 years |
Service | Fee |
---|---|
ATM Withdrawal (Non-Houghton State Bank ATM) | $2.50 |
Wire Transfer (Domestic) | $25 |
Wire Transfer (International) | $40 |
Safe Deposit Box (Small) | $30 per year |
Safe Deposit Box (Large) | $50 per year |
Q: What makes Houghton State Bank different from other banks?
A: Our local decision-making, customer-centric approach, financial expertise, and commitment to community involvement set us apart.
Q: Is my money insured at Houghton State Bank?
A: Yes, your funds are insured up to $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC).
Q: How do I apply for a loan?
A: Visit one of our branch locations or apply online through our website. Our loan officers will guide you through the application process.
Q: Can I bank online?
A: Yes, we offer convenient online banking and mobile banking services.
Q: What are the fees associated with banking at Houghton State Bank?
A: Please refer to Table 3 for details on fees and charges.
Q: How do I schedule an appointment with a financial advisor?
A: Contact our branch location or call our financial planning department directly to schedule an appointment.
Conclusion
Houghton State Bank is your trusted financial partner in Red Oak, Iowa. With over a century of experience, we provide a full range of banking services, financial planning, and community involvement initiatives. Our commitment to excellence, customer satisfaction, and community prosperity is unwavering. Choose Houghton State Bank today and embark on a journey towards financial success and well-being.
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