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 include:

  • 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
  • Nine FREE debits per quarter (fee for additional transactions, ATM transactions are not included)
  • Variable-rate interest, compounded and paid quarterly


Advantage Savings

Enjoy an interest earning account with no maintenance 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 maintenance fee
  • Six FREE debits per quarter (fee for additional transactions, ATM withdrawals are not included)
  • A minimum of one automatic transfer per month of at least $10 from your 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 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

Money Market Savings

This tiered-rate account offers a great combination of maximum earnings and immediate access to funds. The features and benefits are:

  • 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


Preferred Index Account

Enjoy the same features as our Money Market Savings with the added benefit of a rate indexed to the 90-day T-bill coupon equivalent rate as stated in The Wall Street Journal. Rate is adjusted weekly on Wednesday.


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