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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.

CD Specials

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.

Compare Installment Savings Accounts

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.

HSA Online Application

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, First Home ClubSM, savings bonds, CDs with short and long-term rates, installment accounts and more.

Additional Account Information & Terms