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Personal

Savings Accounts

We believe saving a little adds up to a lot. Whether you’re funding your child’s college tuition or just saving for something special, our savings accounts, money market accounts and CDs are here to save the day. All of our savings accounts earn interest and your deposits with us are FDIC insured.

Round Up to Save

Round Up To Save is a free service that allows you to pay yourself each time you make a purchase. All you need is a Community Bank & Trust checking account, savings account1 and VISA® Debit Card.

Here’s how it works:

Each time you use your CBT VISA® Debit Card, we’ll round up your purchase to the next dollar and transfer the excess amount automatically into your CBT Savings Account.

Even better, we will match 5% of your contributions, up to $250 maximum annually. So, pay yourself each time you make a purchase – it doesn’t get much easier than that!

Watch your savings grow:

Plus, you’ll be able to watch your saving grow by tracking your Round Up to Save account through Online Banking.

Personal Savings2

With our most popular savings account, you can open your account with as little as $50 and have easy access to your money when you need it most.

  • $50 minimum opening balance
  • Interest accrues daily and is paid quarterly
  • Three (3) free withdrawals per quarter
  • Quarterly statement
  • Withdrawals/transfers via Phone Banking, Online, ATM or in-branch visit
  • Free eStatements
  • Round Up to Save available
  • Mobile Banking

Premier Savings2

We believe saving a little adds up to a lot.

This account allows you to earn a higher interest rate than you may be earning at another bank and easy access to your money when you need it.

  • $5000 minimum opening balance
  • Tiered interest rates
  • Interest accrues daily and is paid quarterly
  • Ten (10) free withdrawals per quarter
  • Six (6) transfers per month via Phone Banking, Online, ATM or in-branch visit
  • Quarterly statement
  • Free eStatements
  • Round Up to Save available
  • Mobile Banking

Minor Savings2

Teach your child the value of saving by opening our Minor Savings Account. As a joint account holder, you’ll have access to the account and the ability to transfer money electronically from your account to theirs.

  • $25 minimum opening balance
  • For individuals under the age of 18
  • No maintenance fee
  • Interest accrues daily and is paid quarterly
  • Three (3) free withdrawals per quarter
  • Quarterly statement
  • Withdrawals/transfers via in branch only by parent or guardian on account
  • Free eStatements
  • Round Up to Save available

Health Savings Account

The HSA is a savings account that allows individuals with a High Deductible Health Plan (HDHP) to pay for qualified medical expenses like prescriptions, co-pays, dental care, eye care and more. Contributions made to the HSA account earn interest and may help you save on taxes2. HSA funds may be accessed at any time with an HSA VISA® Debit Card or checks.

  • No minimum opening balance
  • No fees
  • Competitive interest rates
  • HSA VISA® Debit Card
  • Free first order of checks
  • Online Banking
  • Mobile Banking
    Free eStatements
  • Phone Banking
  • Contributions may be tax deductible, and interest earned may be tax-deferred3
  • Anytime access to pay for medical expenses

Christmas Club

Plan ahead and avoid the stress of holiday shopping by saving all year for gifts. On the first business day of November, your account balance plus interest will automatically transfer into a Community Bank & Trust Savings or Checking account so you can start your shopping early.

  • $5 minimum opening balance
  • Earns interest
  • Choose the amount you want transferred from your CBT savings or checking account weekly, bi-weekly or monthly into your Christmas Club Account
  • Online Banking
  • Phone Banking
  • Round Up to Save available

Personal Money Market2

Earn money market interest rates while enjoying convenient access to your account.

  • $5,000 minimum opening balance
  • Tiered interest rates
  • 6 checks or transfers per month
  • Online Banking
  • Free eStatements
  • Phone Banking
  • Mobile Banking

Premier Money Market2

Maintain a higher balance and enjoy convenient account access and higher rates.

  • $10,000 minimum opening balance
  • Tiered interest rates
  • 6 checks or transfers per month
  • Online Banking
  • Free eStatements
  • Phone Banking
  • Mobile Banking

Certificates of Deposit (CDs)

CDs can play a central role in your overall savings plan, as interest does not change over the term of the CD. Based on your needs, we have competitive rates and terms and an automatic renewal option for your convenience.

  • $1,000 minimum opening balance
  • Maturity dates up to 5 years

1Excludes Money Market Accounts.
2Transaction restrictions apply. Ask for details.
3Consult your tax advisor concerning contribution amounts and tax deductibility.