Savings Account Comparison

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 through 17 years of age[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.

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.

No monthly service charge if your minimum balance is $50 or more[1]

None

None

No monthly service charge[1]

No monthly service charge[1]

None

No minimum opening deposit (For accounts opened online: If you wish to fund an account opening from another bank or an account with CB&S Bank, $25 is the minimum funding account. You may choose to fund later.)

Minimum opening deposit of $25,000

Low minimum opening deposit of $5 is required

No minimum opening deposit (For accounts opened online: If you wish to fund an account opening from another bank or an account with CB&S Bank, $25 is the minimum funding account. You may choose to fund later.)

No minimum opening deposit (For accounts opened online: If you wish to fund an account opening from another bank or an account with CB&S Bank, $25 is the minimum funding account. You may choose to fund later.)

Low minimum opening deposit of $1,000

• 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 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 membership card at account opening and a Super Star Savers Club t-shirt within 30 days of account opening

• 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]

• 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.

¹Rate 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 $25,000 minimum balance in the account each day; 3) guaranteed minimum APY will apply if balance falls below $25,000 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.

²A 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.

[3] Account must be open for 90 calendar days with an average year-to-date balance of $25 or more to qualify for 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] Substantial penalty for early withdrawal