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Christmas Club Account

Christmas Club

  • Plan ahead for next year's holiday expenses
  • No Monthly Service Fee
  • Annual Paper Statements at Maturity
  • FREE Online Banking, Mobile Banking, & eStatements
  • Advertised Annual Percentage Yield is fixed until account maturity on October 1st each year
  • Minimum deposit required to open an account - $10
  • Minimum balance required to obtain the advertised Annual Percentage Yield - $50
  • Term of the account - account matures on October 1st each year
  • Additions to account - requires an automatic transfer from another CNB Bank & Trust, N.A. account at least once per month
  • Interest will be credited and paid at maturity, with the full balance paid by check or direct deposit to another account
  • A penalty will be imposed for early withdrawal and the entire balance must be withdrawn  
Daily BalanceBranchMin. Opening DepositRateAPY
$50.00 and aboveCentral Illinois$10.000.500 % 0.500 %
$50.00 and aboveSt. Louis$10.000.500 % 0.500 %
$50.00 and aboveChicago$10.000.500 % 0.500 %

Selected Rates current as of 12/31/2019, for approved customers.

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