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Personal savings solutions

PERSONAL SAVINGS SOLUTIONS

 

Financial goals are very important, whether you want to earn extra money, save for an education or invest for retirement. From small savers to savvy investors, CBT Bank has savings account solutions that are right for you

Statement Savings

  • $25.00 minimum deposit to open
  • $25.00 average balance to avoid service charge
  • $25.00 minimum balance to earn interest
  • Regulatory limit of 6 transfers per statement cycle
  • Learn more.

 

Super Star Savings

  • Available to customers age 17 and younger
  • $25.00 minimum deposit to open
  • No minimum balance required or monthly service charge
  • $25.00 minimum balance to earn interest
  • Regulatory limit of 6 transfers per statement cycle
  • Learn more.

 

Money Market

  • $2,500.00 minimum deposit to open
  • $2,500.00 average balance to avoid service charge
  • $2,500.00 minimum balance to earn interest
  • One free box of basic stock checks per year
  • Regulatory limit of 6 transfers and/or checks written to third parties per statement cycle
  • Learn more.

 

Prestige Money Market

  • $2,500.00 minimum deposit to open
  • No minimum balance required or monthly service charge
  • One free box of basic stock checks per year
  • Regulatory limit of 6 transfers and/or checks written to third parties per statement cycle
  • Learn more.

 

Power CD

  • $2,500.00 minimum deposit to open
  • $2,500.00 minimum balance to earn interest
  • Competitive Tiered Rate Structure
  • Transaction limitations apply
  • Learn more.

 

All Purpose Club

  • $2.00 minimum deposit to open
  • No minimum balance requirements or monthly service charge
  • $2.00 minimum balance to earn interest
  • Unlimited deposits.  Must set up automatic funds transfer from a CBT Bank checking or savings account
  • No periodic withdrawals permitted
  • Early close fee applies if closed prior to maturity date
  • Account will mature on the 15th day of the month of customers choice and will automatically renew
  • Learn more.

 

Health Savings Account (HSA)

  • $25.00 minimum deposit to open
  • Set-up fee applies, no service charge or minimum balance requirements
  • IRA regulations apply on Deposits and Withdrawals
  • Interest Bearing
  • Learn more.

 

The purpose of this account is to help build savings for current and future medical expenses.  A HSA is a tax-exempt account established to help you, your spouse and your dependents cover qualified medical expenses.  Eligibility can be confirmed by your health provider and tax/legal professional.

 

Certificates of Deposit

Great for longer-term savings goals, CDs offer you the flexibility of choosing an income stream provided by monthly interest distributions or reinvesting interest so savings grow.

Short Term

  • $10,000 minimum deposit required
  • Penalty for early withdrawal
  • Terms available: 7-30 days, 60 days

Longer Term

  • $1,000 minimum deposit required
  • Penalty for early withdrawal
  • Terms available: 90 days


  • $500 minimum deposit required
  • Penalty for early withdrawal
  • Terms available: 182 days, 9, 12, 18, 24, 48, 60 or 120 months

Individual Retirement Accounts

We know the importance of sound retirement planning and we can help you reach your long-term financial goals with a variety of retirement savings options.  From Variable Rate IRAs that can be opened with as little as $100 to Regular and Jumbo Fixed Rate CD IRAs with a range of terms available, we’ll help you create a savings plan that’s right for you.  Call or stop in any branch office to learn more.

 

 

For fees associated with our Products and Services, please refer to our Fee Schedule.

 

Personal Banking Solutions

 

 

 

 

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