Personal Savings & Money Market

We'll help you select a personal savings account that offers you the best earnings growth potential while meeting your specific 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 maintenance 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.

Features and benefits:

  • Open an account with as little as $10
  • Earn interest on all collected balances
  • No quarterly maintenance fee with $100 minimum daily ledger balance, or until the account holder's 19th birthday*
  • Variable-rate interest, compounded and paid quarterly
Transaction Limits and Fees: 
  • Due to the COVID-19 pandemic we are suspending the transaction limits and excessive transaction fees until further notice. Click here to learn more.
 

 

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: 

Features and benefits:
  • Open an account with as little as $10
  • Earn interest on all collected balances
  • Pay no quarterly maintenance fee
  • Take advantage of a variable interest rate, with interest paid at maturity
  • Receive a check annually ($10 fee if closed prior to check issuance)
  • Check distribution date options of June 1st or October 15th
 
Transaction Limits:
  • $10 fee per over-the-counter withdrawal
  • No checks, telephone transfers, debit card purchases, or similar orders to third parties are allowed. This includes use at ATMs, POS, through Internet Banking, Mobile Banking, or the 24-Hour Convenience Line.
     

Money Market Savings

This tiered-rate account offers a great combination of maximum earnings and immediate access to funds. 

Features and benefits:

  • Open an account with $2,500
  • Earn interest with minimum collected balance of $2,500
  • No monthly maintenance fee with $2,500 minimum daily ledger balance*
  • Variable-rate interest, compounded and paid monthly
  • Tiered variable interest rates (the higher your balance, the higher your interest rate)
  • Monthly statement  
Transaction Limits and Fees: 
  • Due to the COVID-19 pandemic we are suspending the transaction limits and excessive transaction fees until further notice. Click here to learn more.
 


Visit your local branch for additional information about applicable terms and fees and current interest rates and annual percentage yields.