Christmas Club

Christmas presents wrapped neatly

CNB Christmas Club Savings Account

Our Christmas Club Savings is an excellent account that assists you in saving for holiday expenses. Payout occurs yearly in early October.

Contact your local branch to get started.

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Christmas Club Account Details

Plan ahead for next year's holiday expenses

  • No monthly service charge
  • Annual paper statements at maturity
  • FREE Digital Banking
  • Advertised Annual Percentage Yield is fixed until account maturity on October 1st each year
  • Minimum deposit required to open an account: $10
  • Minimum balance of $50 required to earn interest
  • No withdrawals allowed before maturity. Penalty for early withdrawals.
  • Term of the account - account matures on October 1st each year
  • Additions to account - requires an automatic transfer from another CNB Bank & Trust, N.A. account at least once per month
  • Interest will be credited and paid at maturity, with the full balance paid by check or direct deposit to another CNB Bank & Trust, N.A. account
  • A penalty will be imposed for early withdrawal and the entire balance must be withdrawn

Rates

View our current rates!

View Christmas Club Rates


CHRISTMAS CLUB

Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
50.00 and above 0.50% 0.50% $10.00
CHRISTMAS CLUB Requirements
• Advertised APY is fixed until account matures on October 1st each year.
• Requires an automatic transfer of at least $5.00 from another account at least monthly.
• If account balance is $50.00 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• A penalty may be imposed for early withdrawal and the entire balance must be withdrawn.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


CHRISTMAS CLUB

Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
50.00 and above 0.50% 0.50% $10.00
CHRISTMAS CLUB Requirements
• Advertised APY is fixed until account matures on October 1st each year.
• Requires an automatic transfer of at least $5.00 from another account at least monthly.
• If account balance is $50.00 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


CHRISTMAS CLUB

Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
50.00 and above 0.50% 0.50% $10.00
CHRISTMAS CLUB Requirements
• Advertised APY is fixed until account matures on October 1st each year.
• Requires an automatic transfer of at least $5.00 from another account at least monthly.
• If account balance is $50.00 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


CHRISTMAS CLUB

Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
50.00 and above 0.50% 0.50% $10.00
CHRISTMAS CLUB Requirements
• Advertised APY is fixed until account matures on October 1st each year.
• Requires an automatic transfer of at least $5.00 from another account at least monthly.
• If account balance is $50.00 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.

Estimated Total Savings:
 

Ready to open an account?

Contact your local branch today to get started!

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Personal Banking Savings Services

Please Select Your Local Branch

Branches
  • Alton
  • Brighton
  • Carlinville
  • Carrollton
  • Chapin
  • Clayton, MO
  • Edwardsville / Glen Carbon
  • Hillsboro
  • Jacksonville
  • Jerseyville
  • Litchfield
  • Oak Forest
  • Palos Heights
  • Pittsfield
  • Taylorville
  • Tinley Park
  • Virden
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