SSB Helps

Savings & Deposit Accounts

At Sunshine Savings Bank, we give you savings options that fit your personal financial goals. We offer Certificates of Deposit with very competitive interest rates and a variety of terms. The Sunshine Savings Money Market account gives you a higher yield than traditional savings accounts and you can withdraw money up to six times per month. We also offer Holiday and Vacation accounts. Choose the type of account that fits your needs and rest assured your savings are federally insured by the FDIC.

Other Deposit Accounts

Money Market Account

Our Money Market account offers you an investment option with easy access to your funds. Your money earns interest at competitive market rates – without the associated risks – and you can access your money at any time.*

Certificate of Deposit (CD)

Want to earn the highest rate on your insured deposits? You can choose certificates ranging from 12 months up to 60 months with a minimum of $1,000. A variety of options exist to disburse the dividends from redepositing back in the original balance of the CD, sending it to you via check, or into another account at Sunshine Savings.

Holiday Club

Need to save money for your loved ones’ holiday gifts? The Holiday Club is ideal for those who need to have a separate account for their holiday shopping. A five dollar deposit is all it takes to open the account. The dividend rate is the same as the Regular Savings.

Vacation Club

A ten dollar deposit will open the Vacation Club. Use this account to save for your vacation or any purpose! The dividend rate is the same as the Regular Savings.

Individual Retirement Accounts (IRA) & ROTHs

Very competitive rates are offered. A minimum deposit of $100 is required to open a regular IRA account. Contribute up to $2000 per year or the legal maximum. Rollover IRAs from other plans are also accepted in any amount.


Earn even more on your IRAs with a certificate of deposit for various terms!

Important Information About Procedures For Opening A New Account.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

*Access to the Money Market account is subject to federal regulation which provides for unlimited withdrawals through an ATM, by mail, messenger or in person, but limits other withdrawals or transfers (such as telephone, online or Bank Direct Automated transfers) to six per month, no more than three of which may be by check, draft or check card. Excess withdrawal or transfer fee is $5 per debit paid over the regulatory limit per monthly statement period. If excess withdrawals or transfers continue, the account will be changed to a non-interest bearing status. Fees may reduce the earning on the account.