Our Mission.
"To be a partner to parents who are preparing their children for higher education. We are in the financial business, but as a partner, we treat all of our clients like family members - and in as such, deliver products and services to the market that we would want as parents ourselves."

Our Business.
The Bank originates and markets Certificates of Deposit (CDs) including the CollegeSure CD and the InvestorSure CD. Each is an innovative, unique saving-for-college investment featuring FDIC insurance up to $250,000 per depositor and principal protection.
At College Savings Bank we believe our first priority is to preserve investor assets, therefore protect a child's future. Our CDs guarantee principal at maturity. And market conditions cannot affect the pledge we make to our families.

The Bank's success to date can be measured in part by its nationwide customer base, its distribution arrangements with nationally recognized broker/dealers, financial planners, employee benefit programs of national companies. Further, the Bank is the program manager for tax-advantaged, section 529 programs such as the Montana Family Education Savings Program, the Arizona Family College Savings Program and the Indiana CollegeChoice CD 529 Savings Plan, which are available nationwide.

Our Creditworthiness.
The Bank is strongly capitalized and operates under a conservative investment policy. On September 30, 2012 the Bank's Tier 1 capital-to-average asset ratio was 7.52%, as compared to the statutory minimum of 4.00%.

The Bank invests primarily in high-grade, mortgage-backed securities, the majority of which are guaranteed by the U.S. government or its agencies as well as student loans through the Federal Student Loan Program. The Bank limits its investments in this manner in order to avoid the types of credit risks that have often financially impaired other banks. The Bank designs its investment portfolio and updates that portfolio periodically to match the interest rate sensitivities of its assets and liabilities.

A measure of the Bank's investment portfolio is found in the Bank's Tier 1 capital-to-risk-weighted-asset ratio under the FDIC's risk-based capital guidelines. On September 30, 2012 this ratio was 22.00%, as compared to the statutory minimum requirement of 8.00%.

Our Affiliation.
College Savings Bank is a member of the Federal Deposit Insurance Corporation, which means that the Bank's deposits are insured by the Bank Insurance Fund of the FDIC up to $250,000 per depositor.

The combination of FDIC insurance, the Bank's high Tier 1 capital-to-total-asset and risk-based capital ratios as well as the Bank's conservative investment policy ensures the safety of your deposits. We believe no other financial institution offers its customers a more complete college funding solution.