Savings Accounts
We offer a range of savings accounts tailored to fit your needs, including Passbook Savings, Statement Savings, Money Market, Christmas Club, and Business Savings.
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Passbook Savings
A simple savings account that helps you grow your money with interest while keeping track of your balance with a physical passbook.
Statement Savings
A flexible savings account that earns interest and provides easy access to your balance through regular statements.
Money Market
A high-yield savings option with tiered interest rates, giving you the flexibility of limited transactions while maximizing earnings.
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Christmas Club
A dedicated savings plan that helps you set aside money year-round for holiday expenses, with funds paid out at the end of the club period.
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Business Savings
A straightforward savings account designed to help businesses grow their reserves while maintaining easy access to funds.
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Contact Us
Have questions? We're here to help. Get in touch with our team for personalized assistance and expert financial advice.
Passbook Savings
Requirements and Limitations
You must deposit $100.00 to open this account ($5.00 for a minor).
Minimum daily balance of $100.00 is required to avoid service charge (minors exempt).
No third party debits allowed.
Account Fees
Each quarter you will be charged a $5.00 minimum balance fee if your balance falls below $100.00 any day of the quarter (minors exempt).
We will charge a $5.00 per quarter dormant fee if for one year there is no activity or other contact from you indicating an interest in this account and the ledger balance is less than $100.00.
Additional fees may apply, please give us a call today for further information.
Interest Rate Information
This is a variable rate account. The interest rate and annual percentage yield are included in the enclosed Rate Chart. The interest rate and annual percentage yield may change at any time, at our discretion. Interest begins to accrue on the business day you deposit cash and/or noncash items (for example, checks) if received by 2:00 p.m. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded quarterly and credited to the account quarterly.
Statement Savings
Requirements and Limitations
You must deposit $100.00 to open this account ($5.00 minor).
Minimum daily balance of $100.00 is required to avoid service charge.
No third party debits allowed.
Account Fees
Each quarter you will be charged a $5.00 minimum balance fee if your balance falls below $100.00 any day of the quarter (minors exempt).
We will charge a $5.00 per quarter dormant fee if for one year there is no activity or other contact from you indicating an interest in this account and the ledger balance is less than $100.00.
Additional fees may apply, please give us a call today for further information.
Interest Rate Information
This is a variable rate account. The interest rate and annual percentage yield are included in the enclosed Rate Chart. The interest rate and annual percentage yield may change at any time, at our discretion. Interest begins to accrue on the business day you deposit cash and/or noncash items (for example, checks) if received by 2:00 p.m. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day Interest will be compounded quarterly and credited to the account quarterly.
Money Market
Requirements and Limitations
You must deposit $2,500.00 to open this account.
Minimum daily balance of $2,500.00 required to avoid service charge.
Account Fees
Each statement cycle you will be assessed a service charge of $10.00 if your balance falls below $2,500.00 any day in the statement cycle.
We will charge a $5.00 per month dormant fee if for one year there has been no activity or other contact from you indicating an interest in the account.
Additional fees may apply, please give us a call today for further information.
Interest Rate Information
The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the enclosed Rate Chart. The interest rate and annual percentage yield may change, at our discretion, monthly. Interest begins to accrue on the business day you deposit cash and/or noncash items (for example, checks) if received by 2:00 p.m. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded monthly and credited to the account monthly. You must maintain a minimum daily balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. If you close the account before interest is credited, you will not receive the accrued interest.
Christmas Club
Requirements and Limitations
You must deposit the amount of your first coupon to open this account.
You may open this account in the following weekly payment amounts: $2($100 Club); $3($150 Club); $5($250 Club); $10($500 Club); $20($1,000 Club); $40($2,000 Club).
You may open this account starting in October of the current year, however, you may need to make multiple deposits during the Club period to have made all 50 payments by the Club pay-out date. Payments may be made by coupon only.
Preauthorized transfers are not allowed from this account. You may not make withdrawals from this account.
At the end of the Club period, this account will be at a zero balance and will automatically close.
Account Fees
There is a $5.00 early withdrawal fee.
Interest Rate Information
The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for at least thirty calendar days. We agree to give you thirty days advance written notice prior to decreasing the rate. This account is open for 50 weeks, however, your term may vary dependent on when the account is opened. Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of the amount of your first coupon in the account each day to obtain the disclosed annual percentage yield. If you close the account before interest is credited you will not receive the accrued interest. Interest will be credited to the account at the end of the Club period. At the end of the club account period (the last business day of the fourth week in September annually) the funds will be mailed to you by check or credited to another deposit account you have at CNB.
Business Savings
Statement Savings
Passbook Savings
Money Market
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