Savings & CDs
| STATEMENT Savings | MONEY MARKET Savings | CHRISTMAS CLUB Savings | GRADUATE CD | CERTIFICATE OF DEPOSIT | HEALTH Savings Account | |
|---|---|---|---|---|---|---|
| Minimum Balance |
$10.00 to open
$100.00 minimum to avoid maintenance fee |
$1,000 to open | $10.00 to open and minimum to avoid maintenance fee | $25.00 | $100 | $100 |
| Maintenance Fees | $2.00 quarterly if balance below $100.00 | None* | $3.00 quarterly if balance below $10.00 | None | None | $2.00 monthly |
| Interest Bearing |
Earns daily interest
Paid quarterly
|
Earns daily interest
Paid monthly
|
Earns daily interest
Paid quarterly
|
Earns daily interest
Paid annually
|
Earns daily interest
Interest paid based on term
|
Earns daily interest
Paid monthly
|
| Statements | Quarterly | Monthly | Monthly | N/A | N/A | Monthly |
| Withdrawals |
12 debits per quarter at no charge
$.50 per additional debit
|
Unlimited transfers and withdrawals made in person, by messenger, mail or ATM.
|
One (1) withdrawal allowed via Christmas Club check issued by the Bank mid-November |
No withdrawals until age 18
One (1) withdrawal allowed per year between 18-21
|
Penalties apply if funds are withdrawn prior to the stated maturity date |
Six (6) free debits per month
$0.50 per additional withdrawal
|
*If account falls below $1,000, will earn the current NOW interest rate.
To serve you better, all of our Savings and Money Market Accounts come with:**
- FREE eStatements
- FREE Online Banking
- FREE Debit Card FREE Transactions at CNB ATMs (other non-CNB charges may apply)
**Christmas Club Savings excluded. Debit Card subject to qualification.