Personal savings

Whether you are saving for a vacation next year or for retirement decades away, we have the right savings option for you.



Personal Savings

PERSONAL SAVINGS ACCOUNTS

With a CSB savings account, you'll have a safe place to save for goals or unexpected expenses.



Money Market Accounts

MONEY MARKET ACCOUNTS

Enjoy tiered interest rates that provide a higher return for the more you save, with a money market account.



Certificate of Deposit CDs

CERTIFICATE OF DEPOSIT (CDs)

A Certificate of Deposit - or CD - is a savings product with the security of a fixed return over a specific length of time.



Individual Retirement Accounts IRAs

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

An IRA is a personal savings plan established by individuals to provide supplemental income at retirement. Community Savings Bank offers both Traditional and Roth IRAs and can be invested in either a Money Market Savings or Certificate of Deposit.

  • Traditional IRAs can offer immediate tax benefits. All earnings grow tax-deferred until withdrawn. Contributions may be tax-deductible.
  • Roth IRAs are non-deductible contributions to accounts that feature tax-free withdrawals for certain distribution reasons after a five-year holding period.
  • Give us a call or visit today to talk to one of our IRA specialists to learn more about how an Individual Retirement account can work for you.
  • Click here for IRA interest rates.



COMPARE OUR SAVINGS ACCOUNTS BELOW



 Savings AccountsMoney Market AccountsCertificate of Deposit (CDs)
Minimum balance to open $100 $2,500 $5,000
Minimum balance to avoid fees $100 $1,000 N/A
Minimum balance fee monthly $2 $2 N/A
Relative interest rate Low Medium High
Penalties for early withdrawal No No Yes
Unlimited withdrawals in person Yes Yes N/A
Statement frequency Monthly Monthly Year-End
Fee for paper statement N/A $5 N/A
Eligible for IRA funds No Yes Yes



Read Account Disclosures




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