Before I could get a permit for electric, I was required to install a septic system. So, at the same time, I had a concrete cistern installed on the high side of the house, the top of it at ground level.
Trying to figure out the details, I found this guy's pictures and explanations extremely helpful:
http://brainright.com/OurHouse/Construction/RainwaterHarvesting/
I haven't completed inside pump and plumbing yet, but the tank is full. It's such a pain to look inside, I don't know if there is winter freeze at the surface, but it shouldn't matter. You want your intake filter to float at mid-level, not the surface.
I've got a small collection of pdf docs I pulled from the internet, from Texas, Virginia, Australia and Alaska state entities, as well as a few from manufacturers.
I could send them to you by email. If you want, PM your address.