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The future belongs to those who are prepared. Saving for the future prepares you for almost anything.

Retirement • Children’s Education • Healthcare • A New Home or home repair • Travel • Or just a rainy day

Our savings programs can lead to wealth as well as fee-free checking in qualifying accounts.

Saving Programs
Statement Savings

A simple account for any individual or business who wants to earn interest while saving their money.

  • $10 opening balance requirement.
  • Interest compounded quarterly.
  • $2 monthly fee waived when $100.00 balance is maintained.
  • Fees waived for minor (teen) and senior accounts.
Super Saver

Same as our Statement Savings except that there are 4 interest rate tiers. Each level pays a higher rate of interest for larger account balances.

  • $6 monthly fee, waived when $3000.00 account balance is maintained.
  • Interest rate increases as savings balance increases.
  • Interest compounded quarterly.
Christmas Club

Save throughout the year for holiday purchases. Make deposits periodically and in October customer will receive the balance plus interest earned just in time for the holidays.

  • An easy way to fund your next holiday season.
  • We’ll mail or direct deposit your check in plenty of time for shopping.
  • Put aside a little or a lot – the choice is yours.
Health Savings Accounts

Direct your own affordable healthcare plan. The Government approved HSA allows you to establish individual health coverage with high deductibles. The deductible is saved with pre-tax dollars in a special account and may be added to each year.*

  • Savings covers your deductible as allowed by the Federal Government.
  • This Health Savings Account moves with you, regardless of employment.
  • Once you apply for Medicare, the savings becomes yours.
  • Checkbook is issued for medical payments as necessary.
Certificates of Deposit

Considered time accounts in which the customer agrees to keep a certain amount of money on deposit for a certain period of time. In exchange, will earn a higher rate of interest for their time commitment.

  • Terms from three months to five years.
  • Very competitive interest rates.
  • Minimum investments as low as $500.00.
  • Interest options include monthly check, monthly transfer, or compounding.
  • Jumbo Certificates ($100,000+) also available.
Individual Retirement Account (IRA)

An IRA from The Middlefield Banking Company is a smart, safe way to build savings for your retirement. Plus, your IRA can offer you significant tax advantages today!*

  • Our Traditional, Roth and Educational IRA plans help you realize tax savings today, while you build a comfortable retirement for tomorrow.
  • We'll be happy to help you customize an IRA program to fit your goals, and your lifestyle.
  • IRA Savings Accounts
    This flexible, high earning account allows regular, automatic investments of any amount. This account is ideal for intermittent deposits or as a temporary holding account for rollovers.
  • IRA Certificate of Deposit
    A CD exclusively for IRA investors who want safety and a guaranteed return from their portfolio.

* As with all tax related issues, be sure to consult with an accountant or other qualified advisor regarding eligibility and tax implications. All certificates, including Individual Retirement Accounts, carry penalties for early withdrawal.

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