Personal Banking

Savings Accounts

There is Never a Bad Time to Start Saving

We know how hard you worked to earn your money. Now let your money work hard for you by earning interest in a CS savings account. Whether you want to link your CS Advantage Checking account to a CS Advantage Savings account; avoid post-holiday debt; help kids build a foundation of smart money habits; or any anything in between, today seems like the perfect day to start putting money away.

Compare Our Savings Account Options

CS Advantage Savings

Free account that builds your savings effortlessly


  • Must have a CS Advantage Checking account
  • 0.20% with an APY of 0.200%. on balances up to $25,000
  • 0.50% with an APY of 0.426% on balances over $25,000 depending on balance in account*
  • 1.00% with an APY of 1.005% on balances over $250,000 depending on balance in account*
  • 0.00% with an APY of 0.00% if qualifications are not met in CS Advantage Checking 
  • No monthly maintenance fees
  • No minimum balance requirements
  • 15 free withdrawals per month
  • $25 minimum deposit to open 

Statement Savings

Build a safety net for your personal needs


  • Earn tiered interest rates based on your quarterly average balance
  • Avoid the $5 quarterly service fee by maintaining a $100 minimum average quarterly balance
  • 15 free withdrawals per month
  • $25 minimum deposit to open

Money Management Plus

Earn high interest and watch your rate grow with your balance


  • Savings account for higher daily balances
  • Earn tiered interest to make the most of your money*
  • Minimum balance of $2,500 required to earn interest
  • Avoid the $10 monthly service fee by maintaining a $10,000 minimum average daily balance
  • 15 free withdrawals per month
  • $1,000 minimum deposit to open

*This is a variable rate account. The rate may change after the account is opened.

Christmas Club

Save for the holiday season and avoid post-holiday credit card debt


  • Earn interest, credited annually
  • No monthly service fee
  • No minimum balance requirements
  • Make deposits automatically from your checking account weekly, biweekly, or monthly
  • Automatically receive direct deposit of funds on or around October 15
  • $10 penalty fee for early withdrawal (per withdrawal)
  • No minimum deposit to open

CSee Kids Cash Club

Help kids build a foundation of smart money habits


  • Savings account designed for kids 17 and under
  • Earn interest like a regular savings account
  • No monthly service fee
  • No minimum balance requirement
  • 15 free withdrawals per month
  • $5 minimum deposit to open
  • Account must be opened in person

Calculate Your Savings

Have Questions?

*APY=Annual Percentage Yield. APYs accurate as of 1/20/2022. Rates may change after account is opened at our discretion. Minimum to open is $25 for CS Advantage Savings. Qualifying transactions must post and settle to CS Advantage Checking account during monthly qualification cycle. Must have an active CS Advantage Checking account to earn rewards in your CS Advantage Savings. Only one CS Advantage Checking account can be linked to a CS Advantage Savings account at a time. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying check card transactions. If qualifications in CS Advantage Checking are met each monthly qualification cycle, your CS Advantage Savings will earn:(1) If daily balances are $25,000 or less, the interest rate paid on the entire balance will be 0.20% with an annual percentage yield of 0.200%. (2) An interest rate of 0.50% with an annual percentage yield of 0.426% will be paid only for the portion of your daily balance that is greater than $25,000. (3) An interest rate of 1.00% with an annual percentage yield of 1.005%will be paid only for the portion of your daily balance that is greater than $250,000. (4) If qualifications are not met on your CS Advantage Checking, all balances in your CS Advantage Savings account will earn an interest rate of 0.00% with an annual percentage yield of 0.00%.