Personal Banking · Savings

Personal Savings Accounts

Plan for your future and choose a personal savings account that works as hard for your money as you do.

Download our Personal Savings Accounts PDF info sheet here.

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Statement Savings Account

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  • A convenient way to plan for tomorrow and manage your money with ease.
  • 0.15% APY* Interest paid quarterly.
  • $1 minimum to open
  • $10 minimum daily balance to earn interest
  • $3 per quarter charge if balance drops below $1
  • Interest calculated daily, paid quarterly

YOUth Smart Savings (Up to 18 years old)

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  • 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. 0.35% 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

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  • Maximize earnings with the convenience of checking. This is a great place for your personal savings dollars.
  • Starting at a 1.51% 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
  • Interest calculated daily, paid monthly

Certificates of Deposit

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  • 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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*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.