Accumulator Savings Account The CNB Accumulator Savings account makes it easy to build your balance over time. With regular contributions, you can work toward your financial goals at your own pace while keeping your funds secure. Contact your local branch to get started. Branch Locator Small Steps, Big Rewards Saving doesn’t have to be complicated. The Accumulator Savings account helps you grow your money little by little, making it a great option for those looking to develop consistent saving habits. Account Requirements Minimum opening deposit $10.00$40.00 minimum balance to earn interestNo monthly minimum balance service chargeInterest compounded dailyYou pick maturity date as well as deposit amount and frequency *Must be at least 6 months from date of opening No withdrawals allowed before maturity. Penalty for early withdrawals.FREE Digital Banking and eStatements To open a new savings account, please visit your nearest CNB branch and one of our Universal Bankers would be happy to assist. RatesView our current rates!View Accumulator Savings Rates ACCUMULATOR SAVINGS Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit 40.00 and above 0.65% 0.65% $10.00 ACCUMULATOR SAVINGS Requirements • Advertised APY is fixed until account matures. Minimum maturity is 6 months from opening date. • Requires an automatic transfer of at least $5.00 from another CNB account at least monthly. • If account balance is $40.00 or more at maturity, interest will be credited and paid at maturity with full balance paid by check or direct deposit to another CNB account. • A penalty may be imposed for early withdrawal and the entire balance must be withdrawn. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of October 9, 2024 for the Region 1 branches of CNB Bank & Trust, N.A. only. Region 1 includes: Carlinville, Hillsboro, Litchfield, Taylorville, and Virden. Member of the Federal Deposit Insurance Corporation and the Community. ACCUMULATOR SAVINGS Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit 40.00 and above 0.65% 0.65% $10.00 ACCUMULATOR SAVINGS Requirements • Advertised APY is fixed until account matures. Minimum maturity is 6 months from opening date. • Requires an automatic transfer of at least $5.00 from another CNB account at least monthly. • If account balance is $40.00 or more at maturity, interest will be credited and paid at maturity with full balance paid by check or direct deposit to another CNB account. • A penalty may be imposed for early withdrawal and the entire balance must be withdrawn. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of October 9, 2024 for the Region 2 branches of CNB Bank & Trust, N.A. only. Region 2 includes: Brighton, Carrollton, Chapin, Jacksonville, Jerseyville, and Pittsfield. Member of the Federal Deposit Insurance Corporation and the Community. ACCUMULATOR SAVINGS Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit 40.00 and above 0.65% 0.65% $10.00 ACCUMULATOR SAVINGS Requirements • Advertised APY is fixed until account matures. Minimum maturity is 6 months from opening date. • Requires an automatic transfer of at least $5.00 from another CNB account at least monthly. • If account balance is $40.00 or more at maturity, interest will be credited and paid at maturity with full balance paid by check or direct deposit to another CNB account. • A penalty may be imposed for early withdrawal and the entire balance must be withdrawn. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of October 9, 2024 for the Region 3 branches of CNB Bank & Trust, N.A. only. Region 3 includes: Oak Forest, Palos Heights, and Tinley Park. Member of the Federal Deposit Insurance Corporation and the Community. ACCUMULATOR SAVINGS Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit 40.00 and above 0.65% 0.65% $10.00 ACCUMULATOR SAVINGS Requirements • Advertised APY is fixed until account matures. Minimum maturity is 6 months from opening date. • Requires an automatic transfer of at least $5.00 from another CNB account at least monthly. • If account balance is $40.00 or more at maturity, interest will be credited and paid at maturity with full balance paid by check or direct deposit to another CNB account. • A penalty may be imposed for early withdrawal and the entire balance must be withdrawn. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of October 9, 2024 for the Region 4 branches of CNB Bank & Trust, N.A. only. Region 4 includes: Alton, Clayton, and Edwardsville/Glen Carbon. Member of the Federal Deposit Insurance Corporation and the Community. Savings Calculator Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month. How much will you deposit per month? How many months will you be saving? What is the interest rate? Estimated Total Savings: Ready to open an account? Contact your local branch today to get started! Branch Locator Featured Products & Offerings Build for the Future with a Certificate of Deposit A CNB Certificate of Deposit helps you stay on track with your financial goals. With competitive rates and flexible terms, it’s a secure way to plan ahead and make the most of your funds. Learn More Digital Banking You can manage your financial activities wherever you are, 24 hours a day, from any device with an Internet connection. CNB's Digital Banking is an easy and secure method of accessing all of your banking information. Learn More Personal Banking Savings Services What types of personal savings accounts does CNB Bank & Trust offer? CNB Bank & Trust offers a variety of savings accounts to meet your financial goals. This includes traditional savings accounts, high-yield savings accounts, and certificates of deposit (CDs), among others. Each account type has unique features and benefits tailored to different saving needs. Information can be found on our website under Personal Savings or by contacting a Universal Banker at your local CNB Bank & Trust, N.A. branch. What is the minimum deposit requirement to open a personal savings account? The minimum deposit requirement varies depending on the type of savings account you choose. For specific minimums, please refer to the savings account options on our website or contact us directly for more information. Are there any fees associated with personal savings accounts? Some savings accounts may have associated fees, including monthly maintenance fees or fees for exceeding certain transaction limits. We strive to keep our fees transparent and minimal. Detailed fee information for each account can be found on our website under Personal Savings or by contacting a Universal Banker at your local CNB Bank & Trust, N.A. branch. Can I access my personal savings account online? Yes, all our savings accounts come with online and mobile banking access, allowing you to view balances, and depending on the type of savings account, make transactions securely from anywhere, at any time. How many withdrawals can I make from my personal savings account each month? Depending on the type of savings account involved, withdrawals and transfers are limited to four per month; if over four, an excess withdrawal fee applies. Please review your account’s terms and conditions for detailed information. Can I set up direct deposits into my personal savings account? Yes, you can easily set up direct deposits into your savings account. This is a convenient way to automatically save for the future. Our Universal Banker team can assist you with the setup process.