Savings Account Comparison

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An easy savings plan can help you reach your short-term and long-term savings goals. Design your savings plan to fit your needs and start saving today.

Enjoy easy access to your money while maximizing your savings with a premium rate! All you need to start is a Star Rewards account.

Start saving early. This account is perfect for those up to age 17[1] who know the value of an early start. At the age of 18, this account automatically converts to Star Savings.

CB&S Bank's Christmas Club Savings Account can help you have a worry-free holiday season by saving all throughout the year. Saving a little each month adds up fast and makes the holiday shopping season less stressful and much more enjoyable.

CB&S Bank's Vacation Club Savings Account can help you save throughout the year for that much needed vacation. Save a little every month, and when it's time for your vacation, you'll be able to focus on the fun and not the finances.

Take advantage of an account that keeps on giving without expecting anything in return. So many perks; so few restrictions.

CB&S Bank can structure a Certificate of Deposit to fit your individual needs. We offer competitive rates and flexible terms with maturities up to 60 months. Your money is safe and secure because all deposits are insured by the FDIC for the maximum allowed by law. Ask us for details.

None

 No monthly service charge[1]

No monthly service charge[1]

No monthly service charge if $2,500 minimum balance maintained

None

Minimum Balance

• Three free withdrawals or transfers per month. Each additional withdrawal subject to additional withdrawal fees. Maintain $2,500 minimum balance to avoid additional withdrawal fees.[2]
• Pay yourself first by setting up automatic transfers from your CB&S Bank checking account to your CB&S Bank savings account

• Earn a premium rate of interest on the average daily balance of the account.[1]
• Three free withdrawals or transfers per month. Each additional withdrawal subject to additional withdrawal fees. Maintain $2,500 minimum balance to avoid additional fees.[2]
• Star Rewards account required. (Click here for account details.)[1]

• Three free withdrawals or transfers per month. Each additional withdrawal subject to additional withdrawal fees. Maintain $2,500 minimum balance to avoid additional withdrawal fees.[2]
• Receive a $5 birthday bonus deposited into your account on your birthday[3]
• Receive a free t-shirt and Super Star Savers Membership Card

• Automatic transfers from your CB&S Bank checking account
• Earn a competitive rate of interest that is paid annually
• You'll receive your Christmas Club check just in time for the holiday season[2]

• Automatic transfers from your CB&S Bank checking account
• Earn a competitive rate of interest that is paid annually
• You'll receive your Vacation Club check just in time for the vacation season[2] 

• Earn a competitive rate of interest when average daily balance is $1,000 or more
• Tiered rate structure allows you to earn more interest depending on the balance of the account
• Unlimited ATM withdrawals
• Unlimited deposits
• Debit Card
• Limited to 6 withdrawals or transfers per month[1]
• No limit to inside bank transactions
• Choose from eStatements or paper statements with images

• Rates are fixed and guaranteed for the length of the term selected[1]
• For your convenience, certificates may be automatically renewed upon maturity.

[1] A service charge is assessed monthly if the balance falls below $50.00.

[2] A fee will be charged for withdrawals/debits greater than three (3) per month. The fee will not be charged if you maintain an average daily balance of $2,500 or more. Deposit regulations allow a total limit of 6 withdrawals/debits per month to maintain a savings account; account is subject to closure and/or account transaction suspension for excessive transactions.

[1] Rate subject to change after the account is opened. Fees may reduce earnings. The following requirements must be met in order to earn the premium Star Rewards Savings rate: 1) must receive electronic statement; 2) must maintain $50,000 minimum balance in the account each day; 3) must have a Star Rewards account and meet the qualifications of Star Rewards account. 4) guaranteed minimum APY will apply if balance falls below $50,000 or if Star Rewards account qualifications are not met. Star Rewards account qualifications are: 1) ten (10) debit card transactions per qualification cycle (point of sale only), transactions must be posted and settled to account; 2) one (1) direct deposit or ACH per qualification cycle; 3) must receive only electronic statements. A qualification cycle for Star Rewards account is the period beginning one day prior to the current statement through one day prior to the close of the current statement.

[2] A fee will be charged for withdrawals/debits greater than three (3) per month. The fee will not be charged if you maintain an average daily balance of $2,500 or more. Deposit regulations allow a total limit of 6 withdrawals/debits per month to maintain a savings account; account is subject to closure and/or account transaction suspension for excessive transactions.

[1] Adult must sign on account with minor.

[2] A fee will be charged for withdrawals/debits greater than three (3) per month. The fee will not be charged if you maintain an average daily balance of $2,500 or more. Deposit regulations allow a total limit of 6 withdrawals/debits per month to maintain a savings account; account is subject to closure and/or account transaction suspension for excessive transactions.

[3] The account must be open and maintain an average daily balance of $25 for 90 days and must continually maintain an average daily balance of $25 to earn the birthday bonus.

[1] Early withdrawal penalty

[2] 10 day grace period for renewal after maturity

[1] Early withdrawal penalty

[2] 10 day grace period for renewal after maturity

 [1] During any statement cycle you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party. A 3.97 fee will be imposed for any withdrawal/debit greater than six (6) per statement cycle. Federal banking laws define money market accounts as those with limited withdrawals. If you exceed these limitations, the bank may convert your account to another type of account that allows unlimited withdrawals which could be non-interest bearing; or we may restrict all electronic debit transactions on your account. Upon repeated violations, the decision may be made to close the account. Loan payments to CB&S Bank, ATM withdrawals, and withdrawals in person are unlimited.

[1] Substantial penalty for early withdrawal