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Serving You.
Building Community.

Serving You. Building Community.

Serving You. Building Community.


Account Options


Individual Retirement Account (IRA)

It's never too late to start preparing for retirement!  Let us help you save with a Traditional IRA or Roth IRA.  An IRA is an excellent tool for retirement savings.  Depending on the type of IRA you choose, contributions may be tax deductible and will grow either tax-deferred or tax-free.  Both the Traditional and Roth IRAs consist of Marion County Bank CDs and are FDIC insured.

Traditional IRA

A Traditional IRA is designed for anyone under the age of 70 with earned income who wants to save for retirement.  The Traditional IRA allows you to defer taxes on the earnings on your contribution until they are withdrawn.  Certain contributions are tax deductible in the tax year for which you make them.

Roth IRA

A Roth IRA is for anyone who earns income and wants to save for retirement, especially those who may exceed the Traditional IRA income limits.  The Roth IRA allows only nondeductible contributions and features tax-free withdrawals.

Consult your tax or legal professional for guidance.


Health Savings Account (HSA)

A Health Savings Account, more commonly known as an HSA, is an account established exclusively for the purpose of paying or reimbursing qualified medical expenses.  To pay your medical bills with an HSA, simply write a check or use your free Marion County Bank debit card.

An HSA provides a way to pay for medical expenses tax-free.  It also provides a way for individuals to pay for expenses that may not be paid for by a medical plan (i.e. dental, vision, over the counter medications) on a tax-free basis.

An HSA is owned and controlled entirely by an individual.  All funds invested in an HSA remain the property of the account owner.  The account balances roll over from year to year and accumulate tax deferred.  Distrrbutions from your HSA for qualified medical expenses are tax-free.  To be eligible for an HSA, an individual must:

  • Be under the age of 65
  • Be covered under a High Deductible Health Plan (HDHP)
  • Not be covered by an other health plan that is not an HDHP (with certain exceptions for plans providing certain types of coverage)
  • Not be enrolled in Medicare
  • Not be claimed as a dependent on another person's tax return

Consult your tax or legal professional for guidance.


Certificates of Deposit (CDs)

Our CDs provide depositors a great way to manage savings and grow money without risk.  Our CD options offer competitive rates of return on terms that range from 3 months to 60 months.  Choose the term that works best for you.  Check out our online rate sheet for current rates and featured CD options.

Our featured CD options are designed to suit all stages of life:

 Screen shot 2013-12-18 at 6.08.32 PM Bump CD – If rates go up, yours can too.  Our Bump CD allows you to take advantage of a rising rate environment.  Bump rate up once during the term, any time after the first six months.  Our Bump CD is a 24 month term and has the same rate as our traditional 24 month CD.
Build CD Build CD – Our Build CD allows you to add money, such as your Christmas bonus or tax refund to your CD’s balance.  One deposit is allowed per calendar year and deposit minimum is $1,000.  Our Build CDs have an 18 and 24 month term and follow the same rates as the traditional 18 and 24 month CDs.
 Screen shot 2013-12-18 at 6.03.30 PM Access CD – Have an unexpected need for cash?  The Access CD gives you the option to withdraw without penalty!  You may withdraw from your certificate once per calendar year and the amount withdrawn can be up to 10% of the current balance.  Our Access CDs are for 48 and 60 months and have the same rate as the traditional 48 and 60 month CDs.


Check our our current CD rates. 



E-Z Free Checking

When we say "FREE," we mean free. You're free to access your money with no monthly service fees, no minimum balances, and no minimum deposit required.

NOW Checking

Sit back, and watch your money multiply. With an initial deposit and a maintained balance of at least $100, you'll earn interest each statement cycle.

Bank Club Checking

Our bank club checking account combines great features and fun club benefits available for any age.

Harvest Club

Exclusively for those age 50 and over, Harvest Club checking earns interest each month with an initial deposit and a maintained balance of at least $100.

Golden Harvest Club

Exclusively for those age 50 and over, this account provides all the benefits we have to offer – interest-earning, club benefits and free checks!

Exclusively for those 50 and over
"I want to..." Use my debit card and receive eStatements Earn Interest Have the account with everything Write checks and earn interest Have the account with all the bells and whistles
Benefits Free Debit Card or ATM Card, Internet Banking, Internet Bill Pay, Mobile Banking, eStatements, TeleBank and unlimited check writing.  Check images are included free with all eStatements and printed statements.
Monthly Statement Free eStatement Free printed or eStatement Free printed or eStatement Free printed or eStatement Free printed or eStatement
Personalized Checks Free 1st Order Free 1st Order Free Free Free
Interest Earning   Yes   Yes Yes
 Club Benefits    
      Included, see below
      Included, see below
How to avoid monthly
service fee
Sign up for eStatements.
Printed Statements are available at $2.00 per statement cycle
Keep a minimum balance of $100;
otherwise $8.00 per statement cycle
There is a $6.00 monthly membership fee for the Bank Club Account Keep a minimum balance of $100; otherwise $8.00 per statement cycle There is a $4.00 monthly membership fee for the Golden Harvest Club Account

 Club Benefits: Our Bank Club and Golden Harvest Club accounts offer free cashiers checks, insurance benefits, and 50% off stop payments.  Travel benefits include Explore Iowa and Adventureland discounts.  New benefits are added occassionally. Stop by any of our offices or contact a Customer Services Representative for Travel Benefits discounts and coupons.

Who We Are

Not all banks are the same. Learn about what makes us different, meet our staff and hear what our customers say. Learn More...

Customer Support

Get help with an existing account or product and check if there are known issues that are receiving attention.

Education Center

Find valuable insight for your finances from our team of banking experts. Learn More...

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Congratulations to Rob Judkins on 10 years of service with Marion County Bank! Rob works in our Pella office as a Commercial Loan Officer. If you know Rob, you'll know he has a great sense of humor, and that combined with his dedication to his customers makes us appreciate all he does for Marion County Bank. Congratulations Rob!

Congratulations, Rob!


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Teaching our children to save is one of the best ways we can set them up for a lifetime of financial success, but how do we do that in an engaging way? Start simple and don't overcomplicate it.

Teach Children to Save!


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Today we celebrate Danielle Benge's 5 years of service at Marion County Bank! Danielle is our Lead Loan Processor and works in our Pella office. We appreciate the expertise she brings to our Real Estate department and the fun her personality adds to our team. We enjoy working with you, Danielle. Congratulations!

Congratulations, Danielle Benge!


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Your credit score is one of the most important numbers when it comes to getting a credit card, borrowing money or even renting an apartment, but what exactly is it? How is it calculated? How do you improve it? Check out the pdf below for more insights to understanding and improving your credit score.

How are credit scores calculated?