Personal Savings

We'll help you select a personal savings account that offers you the best earnings growth potential while meeting your specified objectives. We feature five types of personal savings accounts and one of our friendly CSRs will be happy to help you decide which one is right for you. You can open a savings account with as little as $10 and we offer competitive, variable interest rates. Also keep in mind that your Community Trust Bank savings account balance can help you qualify for no monthly service fee checking! We can help you establish both a savings and checking account, adding key benefits to your portfolio.

Access Savings
A good foundation for any savings program, this basic account combines minimal balance and deposit requirements with maximum no-fee access. Features and benefits include:

• Open your account with as little as $10.
• Earn interest on all collected balances.
  
• No quarterly service fee with $100 minimum daily balance, or until the account holder's 19th birthday.
  
• Nine FREE withdrawals per quarter (fee for excess transactions, ATM transactions are not included).
  
• Variable-rate interest, compounded and paid quarterly.
  
• A quarterly statement.

Advantage Savings
Enjoy a higher interest rate with no account service fee when you commit to minimum regular automatic transfers from your Community Trust Checking account. The following features and benefits apply:

• Open an account with as little as $100.
• Earn interest on all collected balances.
• No quarterly service fee.
• Six FREE withdrawals per quarter (fee for excess transactions, ATM withdrawals are not included).
• A minimum of one automatic transfer per month of at least $10 from Community Trust checking account required.
• Variable-rate interest, compounded and paid quarterly.
• Monthly statement, combined with checking account statement.

Savings Club
The Savings Club is an annual account designed for those who want to put money aside for a special purpose - be it holiday shopping or that summer vacation. With the Savings Club, you can:

• Open an account with as little as $10.
• Earn interest on all collected balances.
• Pay no quarterly service fee.
• Take advantage of a variable interest rate, with interest paid at maturity.
• Receive a check annually ($10 withdrawal fee prior to check issuance).

Take interest in rates:
Community Trust Savings Accounts earn variable interest rates that may change at any time. Ask about current rates and annual percentage yields. Interest calculation is based on daily collected balance.