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Savings Accounts

What makes saving with CNB different?  As a compliment to your checking or as a stand-alone account, our savings options are designed for every level of saver.  Whether your savings goals are long or short term, for a specific purpose, emergency funds, or a purpose not yet defined, each of our solutions offer interest-earning potential to meet your needs.

CNB Savings Accounts:

  • Regular - Interest-bearing account.
  • Companion - No monthly maintenance fee when packaged with Optimum or e-ssentials.
  • Looney Tunes™- Designed for the young saver, earn interest on every penny.
  • CNSaver - Requires preauthorized, recurring deposits from a CNB account. 
  • Holiday Club Savings - An installment savings account to help save for the holidays.
  • Savings Bonds - Order Savings Bonds online at
  • Money Market - Typically offers higher interest rate than savings, transactions limited.
  • Health Savings Accounts (HSA) - A tax-advantaged medical savings account.
  • Certificate of Deposit - Short and long-term rates available.


Certificate of Deposits

Short and long-term options available.

Certificates of deposit offer a fixed maturity and interest rate associated with the term selected. Monthly specials available.  Optimum customers receive preferred rates.  Upon maturity, enjoy automatic renewal or speak to a representative to review new CD options.

Savings Image  

Installment Savings Accounts

Savings with a purpose.

Whether it’s a CNSaver or a Holiday club account, regularly scheduled deposits make our installment savings a solid approach to successfully meeting your goals. Automated deposit transfers offer savings convenience with scheduled disbursements based on the account type.

HSA Savings  

Health Savings Accounts

Tax-deductible contributions.

An HSA is a tax-favored account used in conjunction with an HSA-compatible health plan – allowing you to contribute funds on a pre-tax or tax-deductible basis, which you may use for eligible medical expenses.

Discover the CNB difference.

As the only local, full-service, community-owned financial institution in the Greater Rochester Area, CNB is investing in you, your business, and your community. We have a variety of personal savings options with different levels of earning potential, including interest-bearing accounts, savings bonds, CDs with short and long-term rates, installment accounts and more.

Additional Account Information & Terms