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.
Savings Options
Click here to use our Savings Calculators
Regular 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 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 Service 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 Service 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 holiday's expenses
- Minimum Opening Deposit $10.00
- No Minimum Balance
- $50.00 Minimum Balance Requirement to Receive Interest
- No Monthly Service 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 Service 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
Health Savings Account
A way to save pre-tax dollars for qualified medical expenses
- No Minimum Balance Required
- No Monthly Service Fees
- Minimal Set-Up Fee
- No Annual Fee for account balances of $5,000.00 or more
- FREE Checks (first 50)
- FREE Monthly Statements
- FREE ATM/Debit Cards
- Must have a HDHP (high deductible health plan) insurance plan to have an HSA account
- Interest Tiers - Please Call For Current Rates
- $500.00 - $4,999.99
- $5,000.00 - Up - Individual and employer direct deposit contributions and electronic transfers
- If your balance falls below $5,000.00 on any day in the year, your account will be subject to a $25.00 annual fee for that year.
- FREE Online Banking, Mobile Banking, & eStatements
For More Information About HSAs
Additional information about HSAs can be found on the U.S. Treasury website, www.treasury.gov (type “Health Savings Accounts” in the search box). Or visit the IRS website, www.irs.gov, and access Publication 969 (Health Savings Accounts and Other Tax-Favored Health Plans) and/or the Instructions for Form 8889 (Health Savings Accounts).
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.