DEPOSIT RATES
Click the links above to view current rates.
CHECKING ACCOUNTS
|
APY |
Interest Rate |
  |
| Interest Checking |
.05% |
.05% |
The annual percentage yield and interest rate are accurate
as of July 24, 2008 and are subject to change daily.
|
|
|
Minimum balance of $1,000.00 is required to open the account
and to obtain the advertised annual percentage yield. Interest
is compounded on a monthly basis. Fees could reduce earnings
on the account. The rate may change after the account is opened.
The Commercial & Savings Bank reserves the right to accept
deposits from only its local market area.
No brokered deposits.
*PRESTIGE INTEREST CHECKING
|
APY |
Interest Rate |
|
| ($5,000 - $9,999) |
.20% |
.20% |
| ($10,000 - $24,999) |
.45% |
.45% |
| ($25,000 - $49,999) |
.70% |
.70% |
| ($50,000 & Above) |
1.00% |
1.00% |
The annual percentage
yield and interest rate are accurate as of July 24,
2008 and are subject to change daily.
|
|
|
Minimum balance of $50.00 is required to open the account.
A minimum of $5,000.00 is require to obtain the advertised
APY. Fees could reduce earnings on the account. The rate
may change after the account is opened.
The Commercial & Savings Bank reserves the right to
accept deposits from only its local market area.
No brokered deposits.
HEALTH SAVINGS ACCOUNT
|
APY |
Interest Rate |
|
| ($50 - $999) |
1.75% |
1.74% |
| ($1000 - $9,999) |
1.75% |
1.74% |
| ($10,000 & Above) |
1.75% |
1.74% |
The annual percentage
yield and interest rate are accurate as of July 24,
2008 and are subject to change daily.
|
|
|
Minimum balance of $50.00 is required to open the account
and to obtain the advertised APY. Fees could reduce earnings
on the account. The rate may change after the account is
opened.
The Commercial & Savings Bank reserves the right to
accept deposits from only its local market area.
No brokered deposits.
MONEY MARKET
SAVINGS
|
|
APY |
Interest Rate |
|
| |
($5,000-$24,999) |
1.00% |
1.00% |
| |
($25,000-$49,999) |
1.35% |
1.34% |
| |
($50,000-$99,999) |
1.85% |
1.83% |
| |
($100,000 & Above) |
2.00% |
1.98% |
The annual percentage yield and interest rate are
accurate as of July 24, 2008 and are subject to
change daily.
|
|
|
Minimum balance of $5,000.00 is required to open account
and to obtain the advertised APY.
The rate may change after the account is opened. Interest
is compounded on a monthly basis.
Fees could reduce earnings on the account.
The Commercial & Savings Bank reserves the right to
accept deposits from only its local market area.
No brokered deposits.
SAVINGS ACCOUNTS
|
|
APY |
Interest Rate |
|
| Passbook |
($10-$19,999) |
.10% |
.10% |
| Passbook |
($20,000 & Above) |
.35% |
.35% |
| Statement |
($10-$19,999) |
.10% |
.10% |
| Statement |
($20,000 & Above) |
.35% |
.35% |
|
The annual percentage yield and interest rate are
accurate as of July 24, 2008 and are subject to change
daily.
|
|
|
Savings passbook is compounded on a quarterly basis and statement
savings on a monthly basis. There is no minimum balance to
open the account, however there is a requirement of a $10.00
minimum balance each day to obtain the advertised APY. The
rate may change after the account is opened. Fees could reduce
earnings on the account. Transaction limits apply. Under federal
regulations, you are allowed up to six pre-authorized withdrawals
per monthly statement cycle, including telephone or electronic
transfers. There is no limit on deposits or the number of
withdrawals you can make at an ATM, by mail, or any CSB office.
The Commercial & Savings Bank reserves the right to accept
deposits from only its local market area.
No brokered deposits.
PLATINUM SAVINGS
|
|
APY |
Interest Rate |
|
| |
($0-$99,999) |
.35% |
.35% |
| |
($100,000-$499,999) |
2.00% |
1.98% |
| |
($500,000-$999,999) |
2.10% |
2.08% |
| |
($1,000,000 & Above) |
2.25% |
2.23% |
|
The annual percentage yield and interest rate are
accurate as of July 24, 2008 and are subject to change
daily.
|
|
|
Minimum balance of $100,000.00 is required to open account
and to obtain the advertised APY.
The rate may change after the account is opened. Interest
is compounded on a monthly basis.
Fees could reduce earnings on the account.
The Commercial & Savings Bank reserves the right to
accept deposits from only its local market area.
No brokered deposits.
CERTIFICATES OF DEPOSIT
|
APY |
Interest Rate |
|
CD
Specials |
Prime Choice - 3 year
($5,000 Minimum) |
3.04% |
3.00% |
*13 Month Relationship
CD
($1,000 Minimum) |
2.24% |
2.22% |
| * Earn an extra
.50% if you have a checking, saving or consumer loan
with CSB. (2.75% APY - 2.72% Rate) |
| *30 Month Relationship
CD ($1,000 Minimum) |
3.48% |
3.43% |
| * Earn an extra
.50% if you have a checking, money market or consumer
loan with CSB. (4.00% APY -3.93% Rate) |
30
Day Savers CD - Minimum
Deposit of $250 |
| $250 - $2,499 |
1.00% |
1.00% |
| $2,500 & Up |
1.75% |
1.74% |
| Regular
Certificates - Minimum Deposit of $500 |
| 91 Day |
1.50% |
1.49% |
| 182 Day |
1.75% |
1.74% |
| 1 Year |
2.00% |
1.98% |
| 18 Month |
2.25% |
2.23% |
| 2 Year |
2.75% |
2.72% |
| 3 Year |
3.00% |
2.96% |
| 4 Year |
3.00% |
2.96% |
| 5 Year |
3.50% |
3.45% |
| Good
through July 24, 2008
|
|
|
Minimum deposit to open the account and to obtain advertised
annual percentage yield is $500. Penalty for early withdrawal
may be imposed.
The Commercial and Savings Bank reserves the right to accept
deposits from its local market area.
No brokered deposits.
JUMBO CERTIFICATES OF DEPOSIT
|
APY |
Interest Rate |
|
CD
Specials |
Prime Choice - 3 Year
(5,000 Minimum) |
3.04% |
3.00% |
Regular
Certificates |
| 30 Day |
1.00% |
1.00% |
| 91 Day |
1.60% |
1.59% |
| 182 Day |
1.85% |
1.83% |
| 365 Day |
2.10% |
2.08% |
| 18 Month |
2.35% |
2.338% |
| 2 Year |
2.85% |
2.81% |
| 3 Year |
3.10% |
3.06% |
| 4 Year |
3.10% |
3.06% |
| 5 Year |
3.60% |
3.54% |
| Good through
July 24, 2008 |
|
|
Minimum deposit to open the account and to obtain advertised
annual percentage yield is $100,000. Penalty for early withdrawal
may be imposed.
The Commercial and Savings Bank reserves the right to accept
deposits from its local market area.
No brokered deposits.
INDIVIDUAL RETIREMENT ACCOUNTS
|
APY |
Interest Rate |
|
| 91 Day Fixed |
1.50% |
1.49% |
| 182 Day Fixed |
1.75% |
1.74% |
| 1 Year Variable |
1.25% |
1.24% |
| 1 Year |
2.00% |
1.98% |
| 18 Month |
2.00% |
1.98% |
| 2 Year |
2.25% |
2.23% |
| 3 Year |
2.50% |
2.47% |
| 4 Year |
2.75% |
2.72% |
| 5 Year |
3.00% |
2.96% |
Good through July 24, 2008 |
|
|
Fixed rate certificates require a minimum deposit of $500
to open the account and to obtain the advertised annual percentage
yield. Variable rate certificates require a $10 minimum deposit
to open the account and to obtain the advertised APY. The
rate may change after the account is opened. On both fixed
and variable rate certificates, fees could reduce earnings
on the account. Interest is compounded monthly on certificates.
The Commercial and Savings Bank reserves the right to accept
deposits from its local market area.
No brokered deposits.
EARLY WITHDRAWAL PENALTIES
Early Withdrawal Penalties That
May Be Imposed on Certificates of Deposit
30
- 91 Days: 30 days' interest on amount withdrawn
92 - 364 Days: 90 days'
interest on amount withdrawn
1 Year & Over: 180
days' interest on amount withdrawn
Savers CD: $50 or 7 days' interest,
whichever is greater.
|
|
All annual percentage yields are
calculated on $1000.00 and on monthly compounding unless otherwise
stated.
|
