Savings, CDs & IRAs

We offer a full suite of Savings, CDs and Individual Retirement Accounts (IRA's). Our IRA's are offered as Traditional, ROTH, SEP and SIMPLE plans. Contact a branch for rates and terms. 

Our CDs are available with fixed or variable rates and have terms of maturity ranging from 30 days to 7 years. 

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Earn While You Learn Program

Youth Savings customers (1st through 12th grade) can present their end-of-the-year report cards during the months of June or July to earn $1 for every top grade¹ they've received per main subject during the school year The Annual  Percentage Yield (APY) on a Youth Savings account is 0.02%, effective as of May 1, 2020 - subject to change at any time. Contact us for current rates.

  • $25 minimum balance required to obtain the Annual Percentage Yield and the bonus.
  • Report cards3 must be presented at the local Community Bank branch during the months of June or July of the same year of the dated report card.
  • Bonus will be deposited on the same business day that the report card is reviewed (and is deposited directly to Youth Savings Account).
  • Youth Savings Account must be open at the time the bonus is paid.
  • Current Youth Savings customers that turn 18 during their senior year can still receive the bonus as long as they have continued to maintain an open savings account.

¹ Top grades include any grade of an "A" (A-, A, or A+). Bonus paid once per main school subject per grading period. If no final grade is given for a main subject, grades from subcategories will be averaged to determine main subject final grade. Top grades should be noted on report card and could include "4" or "E" for excellent, or any other grade explained on report card to be the top grade for that grading system.

2 Up to $50 annually per student. The bonus is treated as interest and the student will receive a 1099-INT form following the end of the year.

3 Report cards must be originals, no copies please. 

How Much Can You Save?
Adjust the inputs to see how much your monthly savings contributions will grow with interest.

Interest Earned

Total Saved

Calculations are estimations and for informational purposes only.