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CDs help you earn higher interest on your funds than you would with a typical savings account. With a fixed maturity date, you select your term length, and then sit back and relax while earning interest. On fixed rate CDs, your interest rate will not change during the original term of your CD.
CSB offers terms ranging from 30 days up to five years with competitive rates. You will not be able to make deposits during the term of the CD*, and withdrawals are subject to early withdrawal penalties. Your interest rate is determined by the term length you choose.
*30 day savers CDs allow deposits at any time throughout the life of the account.
At maturity you have a ten day grace period to either renew your CD into another term or withdraw the funds. Please note, our 30 day Savers CD has a five day grace period. If you do nothing during the grace period, your account will automatically renew into the term specified when you opened your account.
Monthly Service Charge:
Individual Retirement Accounts (IRAs) are a convenient way to provide income for your retirement years. Taxes on the earnings from your IRA are deferred until you begin withdrawing the money after age 59 ½ . You can count on a guaranteed rate of interest for a specified time when you invest your IRA in a certificate of deposit at CSB. Select from variable or fixed rates with a wide choice of terms. All term accounts renew automatically at rates being paid at that time. There may be a substantial penalty for early withdrawal.
Learn more about your retirement options:
Savings and Money Market Accounts are subject to an Excess Debit fee for each transfer and/or withdrawal in excess of six (6) per monthly statement cycle in money market and savings accounts in accordance with Regulation D limits. A $2.00 excess debit fee applies.
An early closeout fee of $40 will apply to savings accounts closed within 90 days of opening.
*We will impose a $10 penalty for early closure, and each withdrawal of funds prior to maturity from Christmas Club accounts.
For worry-free checking, add one or more of our Overdraft Protection Services to your account.Should an overdraft occur, CSB automatically and confidentially pays your overdraft by using one or more of the following:
This service allows you to automatically cover overdrafts by transferring funds directly from your CSB savings account.
Line of credit tied to your checking account that will cover overdrafts up to your line limit. Subject to credit approval.
An automatic service provided to qualifying checking accounts to protect you from having checks or other items returned due to insufficient funds. The service assures your overdrafts will be paid up to the limit established for the account. The standard non-sufficient fund fee is charged per item that overdraws the account.