PERSONAL SAVINGS SOLUTIONS

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.