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Savings

Whether you are just getting started or would like to consider new savings options, Century Bank offers a variety of savings accounts that can suit your needs.

The rate of interest will vary depending on the minimum balance maintained during the month.

Want to know how much your initial deposit will be worth in 5 years? How much will you have to save each month to reach your savings goal? Use our online savings calculator to assist you with these and other financial questions.

Regular Savings Account

Features and benefits:

  • Minimum to open is $50.
  • No minimum balance to earn interest
  • A $5 balance fee (in the service charge) will be imposed each month if the balance falls below $200 any day of the month.
  • In person transfers from this account to another account in the bank or cash withdrawals are limited to six per month. There is a $5 excessive withdrawal (w/d) service charge exceeding this limit.
  • Federal banking regulation limits transfers to another account or to third parties by preauthorized, automatic, telephone, computer, or check to six transactions per month. There will be a $5 Excess MMD transaction charge for each debit exceeding this limit.
  • A $10 account service fee may be charged for accounts closed within 6 months of the opening date.

Current Rates as of 3/24/2017

Account Interest Rate *APY
Savings less than $200 0.05% 0.05%
Savings $200 and over 0.25% 0.25%

Each tier described above reflects the minimum daily balance required to obtain the applicable *Annual Percentage Yield (APY). We use the daily balance method to calculate the interest on your account. We may change the interest rate on your account at anytime. Fees may reduce earnings.


Minor Savings Account

Features and benefits:

  • Available for children under the age of 18
  • Minimum to open is $50.
  • No minimum balance to maintain
  • No minimum balance to earn interest
  • In person transfers from this account to another account in the bank or cash withdrawals are limited to two per month. There is a $5 excessive withdrawal (w/d) service charge exceeding this limit.
  • Federal banking regulation limits transfers to another account or to third parties by preauthorized, automatic, telephone, computer, or check to six transactions per month. There will be a $5 Excess MMD transaction charge for each debit exceeding this limit.
  • A $10 account service fee may be charged for accounts closed within 6 months of the opening date.

Each tier described above reflects the minimum daily balance required to obtain the applicable *Annual Percentage Yield (APY). We use the daily balance method to calculate the interest on your account. We may change the interest rate on your account at anytime. Fees may reduce earnings.


Christmas Savings Account

Features and benefits:

  • Automated Savings Plan – Deposits are transferred from an existing account with Century Bank & Trust
  • Partial withdrawals or ATM transactions are not permitted.
  • A check will be mailed for the balance of the account on the first Friday of November
  • A $10 service charge will be imposed if the account is closed prior to maturity.

Current Rates as of 3/24/2017

Account Interest Rate *APY
Christmas Savings 0.25% 0.25%

*Annual Percentage Yield (APY). We use the daily balance method to calculate the interest on your account. We may change the interest rate on your account at anytime. Fees may reduce earnings.


1For additional information see our Fee Schedule or contact us.