Savings and CDs

Personal Savings Accounts

Whether you're saving for a new home, a child's education, or retirement, we can help your money grow. CNB Bank & Trust, N.A. has solutions to help ensure the money will be there when you need it. A full line of savings and investment products are at your disposal along with experienced employees to help you make the right choice.

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Savings Account Options

Personal Savings

  • A safe place to watch your money grow
  • Minimum Opening Deposit $200.00; $50 if under 18
  • $200.00 Minimum Balance Requirement to Receive Interest
  • $3.00 Monthly Minimum Balance Fee if balance falls below $200.00
  • When in excess of 4 withdrawals or transfers are processed per month, a $1.00 excess withdrawal fee per withdrawal or transfer applies 
  • Interest Compounded Quarterly - Please Call For Current Rates
  • Monthly or Quarterly Paper Statements
  • FREE Digital Banking and eStatements

To open a new savings account, please visit your nearest CNB branch and one of our Universal Bankers would be happy to assist.

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Youth Savings

  • Savings account for kids 12 and under to promote smart money habits
  • Minimum Opening Deposit $5.00
  • No Minimum Balance
  • No Monthly Fee
  • Interest Compounded Quarterly - Please Call For Current Rates
  • Monthly or Quarterly Paper Statements
  • FREE Digital Banking and eStatements

To open a new savings account, please visit your nearest CNB branch and one of our Universal Bankers would be happy to assist.

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Accumulator Savings

  • Plan for future expenditures such as annual property taxes, insurance, vacations, etc.
  • Minimum Opening Deposit $10.00
  • $40.00 Minimum Balance Requirement to Receive Interest
  • No Monthly Minimum Balance Fee
  • Interest Compounded Daily - Please Call For Current Rates
  • You pick maturity date as well as deposit amount and frequency
  • FREE Digital Banking and eStatements

To open a new savings account, please visit your nearest CNB branch and one of our Universal Bankers would be happy to assist.

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Christmas Club Savings

  • Plan ahead for next year's holiday expenses
  • Minimum Opening Deposit $10.00
  • No Minimum Balance
  • $50.00 Minimum Balance Requirement to Receive Interest
  • No Monthly Minimum Balance Fee
  • Interest Compounded Annually at Maturity - Please Call For Current Rates
  • Annual Paper Statements at Maturity
  • FREE Digital Banking and eStatements

Learn More

To open a new savings account, please visit your nearest CNB branch and one of our Universal Bankers would be happy to assist. View Branch Locations

Progressive Savings

  • Earn higher, tiered interest rates, while still having access to your funds
  • Minimum Opening Deposit $10,000.00
  • $10,000.00 Minimum Balance Requirement to Avoid Monthly Fee of $10.00
  • Interest Compounded Monthly
  • Interest Tiers - Please Call For Current Rates
    • $0 to $24,999.99
    • $25,000.00 to $49,999.99
    • $50,000.00 to $74,999.99
    • $75,000.00 to $99,999.99
    • $100,000.00 to $249,999.99
    • $250,000.00 and above
  • Monthly or Quarterly Paper Statements
  • FREE Digital Banking and eStatements

To open a new savings account, please visit your nearest CNB branch and one of our Universal Bankers would be happy to assist.

View Branch Locations

IRAs

  • Save for retirement now while you're still earning income
  • Minimum Opening Deposit $50.00
  • Contributions can be made with as little as $10.00 per deposit
  • Traditional and Roth available from a Universal Banker.
  • Self-directed IRAs are offered through the Trust Department
  • IRA rates are subject to change
  • Termination for early withdrawal is $50.00

To open a new savings account, please visit your nearest CNB branch and one of our Universal Bankers would be happy to assist.

View Branch Locations Learn More 

Other ways to build your savings

Certificates of Deposit (CDs)

Choose from various Certificates of Deposits terms that offer a higher yield than other savings instruments, along with the safety and security of FDIC insurance. 

View our current CD Specials 

Use our CD Calculator

Use our helpful CD calculator to get an idea for the performance of your CD.

CD Calculator

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings.

Total value at maturity: