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Checking & Savings Products

Smart Checking

This account is a smart choice in more ways than one. To begin with, this account has no minimum balance requirements and no monthly fees. But it gets even better! Smart Checking will pay you just for using your debit card. If you use your card often enough, you can earn up to 2.02% APY on the average daily balance of your account. And for those who use their cards less frequently, interest can still be earned at tiered rates based on the number of transactions. Smart Checking is ideal for those who prefer to use a debit card and want to receive electronic statements*.

Smart Checking Interest Rate Tiers

  • 0.50% APY for 75 or more transactions
  • 0.25% APY for 50 or more transactions
  • 0.15% APY for 20 or more transactions

*If you choose to receive paper statements instead, a delivery fee of $10 per statement will be charged.

Regular Checking

If you prefer to write paper checks, and you expect to maintain a balance of at least $100, Hershey State Bank’s Regular Checking is the account for you. It comes with unlimited check writing, as well as unlimited debit card and ATM transactions. If you maintain a daily ledger balance of at least $100 throughout the month, you won’t have to pay any service charges. However, if your daily ledger balance falls below $100 at any point during the month, you will be charged a $5 maintenance fee and a $0.20 fee per debit.

NOW Account Checking

Looking for a checking account that will pay you interest? If you open a NOW Account with at least $1,500 and maintain that balance throughout the month, you can earn interest on the balance of your account. If your daily ledger balance falls below $1,500, you won’t earn interest, but you will still be free of service charges unless it falls below $100. If your daily ledger balance does fall below $100 at any point during the month, you will be charged a $5 maintenance fee and a $0.20 fee per debit.

Money Market Account

If you want to earn higher interest rates than a savings account, and you do not plan on many checks or debits, this account is for you. Like a savings account, you are limited to six preauthorized debits per month, but unlike a savings account, three of those debits can be checks written directly to third parties. While checks, telephone transfers, and automatic transfers will count against your limit of six preauthorized debits, withdrawals at the teller line and ATM are unlimited. For any balance under $2,500 you will earn interest at the same rate as a savings account. For all balances above $2,500 you will receive higher rates, increasing in tiers as your balance increases. You can easily avoid all service charges for this account by staying within the limit of six preauthorized debits per month; however, if you exceed that limit, you will be charged $5 per excess debit.

Business Interest Checking

This account, available exclusively to businesses, combines the higher interest rates of our Money Market Account with the convenience of our Regular Checking. Businesses that open this account can write unlimited checks, while still earning Money Market-level interest rates, as long as the average daily balance stays at or above $2,500. If the average daily balance falls below $2,500 at any point during the month, a $25 maintenance fee and a $0.20 fee per debit will be assessed.

Savings Account

It is never too early to start saving. At Hershey State Bank we offer very competitive rates, and it only takes $10.00* to open an account. You can make unlimited withdrawals at the teller line or the ATM and up to six telephone, online, or automatic transfers or payments per month. You can enjoy all the benefits of this account without any fees, as long as you stay within the limit of six preauthorized debits per month (each excess debit will cost an excess use fee of $5), and maintain a daily ledger balance of at least $100 throughout each calendar quarter. If your daily ledger balance falls below $100, you will be charged a $2 maintenance fee; however, if you are a minor (18 and under) this minimum balance requirement can be waived.

*If you are 18 or older and open an account with less than $100, you will be subject to a $2 maintenance fee for the calendar quarter in which you open the account.

Golden Age Checking

If you have reached your 60th birthday, this account is for you. There are no minimum balance requirements and no activity fees.

Health Savings Accounts

Are you looking for a great way to save for medical expenses? If so, this account could be for you!! If you have a high deductible health insurance plan, you may qualify for a Health Savings Account. HSAs are designed exclusively for the purpose of saving for and paying for qualified medical expenses. To see if you qualify for an HSA, please contact a personal banker at one of our locations.

 

For more information on any of our checking or savings accounts, please contact:

Main Office:

Liz Sanchez

Contact Liz

Amy Bellew

Contact Amy

Kim Bringewatt

Contact Kim


North Platte Branch:

Anna Stacy

Contact Anna

Kelsey Shrum

Contact Kelsey

Loans

Hershey State Bank’s loan department offers all the convenience you can get from a larger bank, along with the personalized customer service that you can’t. Follow the links below to learn more about the loans Hershey State Bank has to offer and contact the lenders who can help meet your needs!

Agricultural Loans
  • Operating Loans
  • Equipment Loans
  • Livestock Purchase Loans
  • Fixed Rate Real Estate Loans
  • Beginning Farmer Loans
  • FSA Guaranteed Loans

At Hershey State Bank we know that agriculture is the backbone of Nebraska’s economy. We offer every type of loan you may need to make your operation a success. Best of all we offer personalized service from officers who live and breathe agriculture, and who have ideas to help you navigate today’s turbulent agricultural economy.

Operating Loans

We offer line of credit operating loans for farmers and ranchers. Each line of credit comes with free management tools, including breakeven analysis, enterprise analysis, and real time cash flow tracking.


Equipment and Livestock Purchase Loans

We offer five to seven year term loans for the purchase of equipment and breeding livestock. We also have term loans available for the purchase of farm vehicles.


Fixed Rate Real Estate Loans

Are you considering expanding your operation or restructuring your current farm debt? At Hershey State Bank we offer long-term, fixed rate real estate loans to meet your needs.


Beginning Farmer Loans

Hershey State Bank works with the USDA Farm Service Agency to provide loans for beginning farmers and ranchers who have been in business 10 years or less. These loans have lower down payment requirements and longer available terms to help you get started in agriculture. Whether you are looking to purchase real estate, equipment, livestock, or annual operating inputs, we can help meet your operation’s needs.


FSA Guaranteed Loans

This program in conjunction with the Farm Service Agency can be a great tool to help your operation weather the recent downturn in the agricultural economy. Hershey State Bank is proud to be a participating lender.


For all of your agricultural loan needs, please contact:

Main Office:

Matt Perlinger

North Platte Branch:

Tom Murphy

Commercial Loans
  • Operating Loans
  • Equipment Loans
  • SBA Guaranteed Loans

We at Hershey State Bank work with many different types of commercial businesses, large and small, to help meet their needs.

Operating Loans

We provide operating lines of credit and working capital loans to help give your business the liquidity it needs.


Equipment Loans

If you are looking to purchase new equipment to help your business run more efficiently, we are here to help! We offer five to seven year term loans for the purchase of equipment. We also offer term loans for the purchase of commercial vehicles.


SBA Guaranteed Loans

If you are looking to start or purchase a new business, or to expand an existing one, Hershey State Bank is a participating lender in the Small Business Administration’s Low Doc and 7A loan programs.


For all your commercial lending needs, please contact:

Main Office:

Kaye Monie
Mattingly Perlinger

North Platte Branch:

Tom Murphy
Justin Petska

Personal Loans
  • Car Loans
  • Boat Loans
  • RV Loans
  • Debt Consolidations

What is your dream car? At Hershey State Bank one of our greatest joys is helping you purchase it. And for those who love the outdoors, we can also help you purchase that RV, boat, or ATV you have had your eye on. If you already have your dream car, boat, RV, or ATV, and you are looking to refinance or consolidate your debt, we can help with that, too!

We are Lincoln County’s consumer loan specialists. As a community bank, we make our decisions right here and right now. We believe that you are more than just a credit score, and we will work hard to find a product to fit your needs.

Come see what we can do for you!


For all your personal loan needs, please contact:

Main Office:

Kaye Monie

North Platte Branch:

Justin Petska
Anna Stacy

Home Loans
  • Secondary Market Mortgages
  • In-house Mortgages
  • Home Equity Loans
  • Energy Loans
  • NMLS ID: 461205

For many, owning a home is part of living the American dream, and Hershey State Bank can help you get there. If you already own a home, we can help you make improvements or turn your equity into cash.

Secondary Market Mortgages

Secondary market mortgages offer fixed low rates and long terms. At Hershey State Bank you can get these benefits without losing the personalized service you have come to expect from us. We service all of our secondary market mortgages right here in Hershey and North Platte, so you never have to wonder where to send your payments or who can answer your questions.


In-house Mortgages

We offer several different products for borrowers and properties that may not fit the typical mold for a secondary market mortgage. We understand that challenges may happen, and we want to work hard to find a mortgage product to fit the specific needs of each borrower and each property.


Home Equity Loans

Turn your equity into cash! A home equity loan can be used for so many things – from cars and boats to vacations and home remodels. In many cases your interest may even be tax deductible.


Energy Loans

If you are looking to make your home more energy efficient through new heating, air conditioning, windows, siding, etc., this program offers very low interest rates to qualified borrowers.


For all of your home loan needs, please contact:

Main Office:

Kaye Monie

North Platte Branch:

Anna Stacy

Certificates of Deposit and Individual Retirement Accounts

Contact us today for current rates and terms on CDs and IRAs.

Main Office:

Liz Sanchez

Contact Liz

North Platte Branch:

Anna Stacy

Contact Anna

Hershey State Bank Visa® Rewards Platinum Credit Card

Hershey State Bank’s Visa® Rewards Platinum credit card offers hometown service from Hershey State Bank employees, as well as worldwide acceptance and great benefits.


Three great options all from the Bankers You Can Bank On!

  • Rewards Platinum – unlimited reward points that don’t expire. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel, and much more. Visit cRewardsCard.com for details.
  • Cash Rewards Platinum – earn 1% cash back on all net purchases. Cash rewards never expire.
  • Platinum Edition – no penalty APR and competitive rates.

Enjoy the following features with all of the above options:

  • Competitive rates
  • Manage your account online and go paperless at MyCardStatement.com
  • Chip Card Security
  • Fraud Monitoring and Zero Fraud Liability
  • SecurLOCK™ Email and Text Fraud Alerts
  • Mobile Payments
  • Personal service from Bankers You Can Bank On!

APPLY NOW

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval