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Home > Personal > Savings

Savings

While your checking account helps you manage everyday expenses, a savings account grows for the times you may need extra cash. You can open a savings account for as little as $10 and contribute as often as you like, all while earning compounded daily interest.  We also offer a variety of CDs and IRAs.  Be sure to take a look at all the options we have to offer.


  • This special account is available to kids up to age 10 and is specially designed to help teach kids to save, offering prizes as incentive for reaching certain balance levels, including an original CNBear beanie bear!  Click here for more details.

    • No Minimum Balance
    • No Service Charge
    • Balance Achievements Awarded with Prizes
    • Quarterly Statements
    • Earns Interest
  • This offers both the security of saving and the convenience of easy access to funds. The EZ Savings Account is a great “starter” account for customers age 11-24. Special features include:

    • No Minimum Balance
    • No Service Charge
    • Quarterly Statements
    • Earns Interest
  • This account is designed for those who prefer the record keeping convenience of a quarterly statement. Like our First Savings, the Savings Account also offers easy access to funds, yet pays a higher rate of interest. Special features include:

    • $100 Minimum Balance
    • Low, Quarterly Service Charge if Minimum Balance is Not Maintained
    • Quarterly Statements
    • Earns Interest
    • ATM or Check Card Accessible
  • This is a convenient savings plan that provides you with a systematic way to set aside funds for vacation, holiday shopping or other large purchases. You choose the amount and frequency of automated transfers you wish to make. Special features include:

    • Customized Saving – You Pre-Select the Amount and Frequency of Deposits
    • Make Up to 4 Withdrawals Per Calendar Year (1 per quarter) with No Service Charge
    • Quarterly Statements
    • Earns Interest with Automatic Transfers
  • A CD allows you to earn a higher rate of interest on your savings. You pre-select the length of time, or term of the CD.

    • $500 Minimum Deposit to Open
    • Several Terms Available – From 1 Month to 5 Years
    • Earns Interest
  • Retirement savings plans offer possible tax deductions.

  • This is our “Traditional” way to plan for your retirement, made easy with your own IRA contribution record.

    • $100 Minimum Balance
    • Make Deposits at Your Own Pace (Subject to annual contribution limits)
    • IRA holders age 50 or over are eligible for catch-up contributions.
    • Competitive Interest Rates Subject to Change Quarterly
  • This allows you to control the term of your retirement investments. You pre-select the length of time, or term of your IRA CD.

    • $2,000 Minimum Deposit to Open ($2,500 for 7 year terms)
    • Annual Contribution Amounts (subject to limitations)
    • Terms Available from 1 to 7 Years
    • Earns Interest
  • The Roth IRA is a nondeductible retirement account that features tax-free withdrawals (including earnings) for particular distribution reasons after a five year holding period.

    • $100 Minimum Deposit to Open
    • Make Deposits at Your Own Pace (Subject to annual contribution limits)
    • IRA holders age 50 or over are eligible for catch-up contributions.
    • No IRS Penalty or Federal Income Taxes for withdrawal of regular principal contributions prior to the age 59 ½
    • No Required Minimum Distributions
    • Competitive Interest Rates Subject to Change Quarterly

    *Some income restrictions may apply.

  • The Roth is a nondeductible account that features tax-free withdrawals (including earnings) for certain distribution reasons after a five year holding period.  Pre-select the term of your CD.

    • $2,000 Minimum Deposit to Open ($2,500 for 7 year terms)
    • Annual Contribution Amounts (subject to limitations)
    • No IRS Penalty or Federal Income Taxes for withdrawal of regular principal contributions prior to the age 59 ½
    • No Required Minimum Distributions
    • Terms Available from 1 to 7 Years
    • Earns Interest
    *Some income restrictions may apply.
  • This is a nondeductible account featuring tax-free withdrawals for a designated beneficiary’s qualified education expenses. You pre-select the length of time or term for these special investments.

    • $2,000 Minimum Deposit to Open
    • Terms Available fro 1 to 7 Years
    • Make Contributions (not to exceed $2,000 annually) On Behalf of a Minor Until the Day Before Their 18th Birthday – (exception: beneficiaries with special needs)
    • Earns Interest
  • This is an account available to qualified individuals that features tax-free withdrawals for a designated beneficiary’s qualified medical expenses.

    • $50 Minimum Deposit to Open
    • Qualified Individuals are Covered by a High Deductible Health Plan (HDHP)
    • Maximum Annual Contributions are Based on the Annual Statutory Limit
    • No IRS Penalty or Federal Income Taxes for Withdrawal for Qualified Medical Expenses
    • Earns Interest
    • For more detailed information refer to our HSA brochure or email our IRA Specialist.

Contact Us Today!

If you're interested in learning about our products or services, please contact us toll-free at 1-800-492-3221, visit us at any CNB Bank branch location, or send an email to customerservicecenter@bankcnb.com. CNB appreciates the opportunity to be your financial partner.

In the event of an error or if you have questions about your statement, visit our Error Resolution page for instructions. 

 
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