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Savings & 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 a solution 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.

Find the right account for you, compare our personal savings accounts.

Start Comparing    Open a Savings Account Online

Savings Options

Use Our Savings Calculators

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
  • Interest Compounded Quarterly - Please Call For Current Rates
  • Monthly or Quarterly Paper Statements
  • FREE Online Banking, Mobile Banking, & eStatements

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 Online Banking, Mobile Banking, & eStatements

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 Online Banking, Mobile Banking, & eStatements

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 Online Banking, Mobile Banking, & eStatements

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
    • over $250,000.00
  • Monthly or Quarterly Paper Statements
  • FREE Online Banking, Mobile Banking, & eStatements

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 New Accounts Representative
  • Self Directed IRAs are offered through the Trust Department
  • IRA rates may change annually
  • Termination for early withdrawal is $50.00
  • Please Call For Current Rates

Certificates of Deposit (CDs)

Enjoy guaranteed returns on your investment

  • Choose from a variety of Certificates of Deposits with various terms that may offer a higher yield than other savings instruments, along with the safety and security of FDIC insurance.
  • Please Call For Current Rates

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