Personal Banking ·
Personal Savings Accounts
Plan for your future and choose a personal savings account that works as hard for your money as you do.
Statement Savings Account
- A convenient way to plan for tomorrow and manage your money with ease.
- 0.15% APY* Interest paid quarterly.
- $100 minimum to open
- $10 minimum daily balance to earn interest
- $3 quarterly service fee if minimum daily balance is not met
YOUth Smart Savings (Up to 18 years old)
- Teach your child the importance of saving early. This account helps children, young and old, earn sooner.
- $1 minimum to open
- We'll match your opening deposit up to $20!
- Higher interest rate than Statement Savings. 0.25% APY*. Interest paid quarterly.
- We pay for great grades! We'll deposit $1 for every A or A- earned on a child's report card (Grades 6-12). Up to $32 per school year, with proof of report card.
- Pick a prize! To build excitement around saving, young kids can choose a prize from the Central Bank Treasure Chest every time they come into the office to make a deposit.
- Service charge free
High Yield Money Market Account
- Maximize earnings with the convenience of checking. This is a great place for your personal savings dollars.
- Starting at a 0.75% APY* See rate tiers.
- $1,000 minimum to open
- $1,000 minimum daily balance to earn interest
- $9 monthly service fee if minimum daily balance is not met
- Tiered interest based on account balance
Certificates of Deposit
- Long-term savings plans with a wide variety of maturity dates. Rates will vary depending upon the amount of the certificates and the length of time to maturity.
- $500 minimum to open
- See Rate Tiers.
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- Interest calculated daily, paid quarterly
- **(Temporarily suspended) Six total withdrawals and transfers allowed per month
- **(Temporarily suspended) Additional withdrawals/transfers $1 each
- Unlimited free Central Bank ATM and in-person withdrawal
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- Free ATM card available
- **(Temporarily suspended) Six total withdrawals and transfers allowed per month
- **(Temporarily suspended) Additional withdrawals/transfers $1 each
- Unlimited free Central Bank ATM and in-person withdrawal
- Online banking access available
- Cancellation fee of $5 if account is closed within 90 days
- $1 minimum balance to earn interest
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- Interest calculated daily, paid monthly
- **(Temporarily suspended) Six total withdrawals and transfers allowed per month
- **(Temporarily suspended) Additional withdrawals/transfers $9 each
- Unlimited free Central Bank ATM and in-person withdrawals
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- $500 minimum balance to earn interest
*APY (Annual Percentage Yield), Maintenance or activity fees could reduce the earnings on the account. Interest rates are based on the market and subject to change.
** Withdrawals and Transfers
(Temporarily suspended) Per federal regulation, savings accounts are allowed 6 total withdrawals/transfers per month (additional withdrawals/transfers will be charged a fee). Withdrawals and transfers include: telephone transfers, ACH payments, drafts, checks, and point of sale transactions. Unlimited ATM and in-office withdrawals are allowed.