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.
  • 0.10% Interest rate. Interest paid quarterly.
  • $100 minimum to open
  • $100 minimum daily balance
  • $3 quarterly service fee if minimum daily balance is not met

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. 0.20% interest rate. 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 7-12) *Up to $32 per school year.
  • 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.
  • 0.20% Interest rate. 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

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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.
  • See Rate Tiers.
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Rates

Withdrawals and Transfers

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.