Personal Savings

  Regular Savings 
Money Market Account
Personal Health Savings
Accounts
More Personal Savings Options
Description: 

For customers who need flexible access to account funds

For customers who want to earn a higher interest rate over regular savings while having immediate access to investment dollars 

A savings account that individuals with high-deductible health insurance policies can fund and use to pay for medical expenses (2)

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For more information, please refer to the complete list of Frequently Asked Questions

 

Minor Savings

Designed for customers that are under 18 with parent or guardian as a joint owner

Holiday Club

A savings account for customers to get ahead on holiday shopping

 

Minimum Opening Deposit: 

$50

Standard: $2,500
Premium: $10,000

$100 ($20 one time implementation fee

 
Minimum Balance To
Waive Service Charge: 

$300 Daily Balance 

Standard: $3,500 Daily Balance
Premium: $5,000 Daily Balance 

$1,000 Daily

Certificates of Deposit (CD)

Standard Time Certificates of Deposit offers fixed terms and rates from 3 months to 5 years and Jumbo Certificates of Deposit offers fixed terms and rates from 1 month to 5 years*

Monthly Service Charge:
 

$4

Standard: $10
Premium: $15

$3

 
Interest Earning: 

Yes

Yes

Standard: No interest earned on days the balance falls below $2,500

Premium: No interest earned on days the balance falls below  $10,000

No interst earned on days the balance falls below $500

Interest is accrued daily and paid monthly at current market rate

If the account is closed prior to the interest payment period, interest will not be received

 
Transaction Limits: 

Transfers are limited to six per month (3)

 

A debit fee of $3.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during a statement cycle.

 

Transfers are limited to six per statement cycle (3)

 

A debit fee of $15.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of six during a statement cycle.

 

 

 Refer to "Understanding your Deposit Account" Terms and Conditions for details

Please see a New Account Representative with questions

 
Benefits: 

Flexible access to account funds

Free eStatements (1)

Tiered to pay higher rates for higher balances

Free eStatements (1)

Unlimited check writing and debit card usage

Monthly Statements

Free Personal Online Banking

Flexible access to account funds

Tiered rates for higher balances

 

(1) eStatements require a valid email address. (2) You should consult your tax advisor regarding the tax benefits of contributing to a Health Savings Account. (3) Transfers from a Regular Savings, Minor Savings, Money Market or Premium Money Market account to another account of your or to third parties by means of a pre-authorized or automatic transfer, telephone order, or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties. If you exceed these transfer limits, we may close your account or reclassify it as a transaction account.
Please Note: This information is accurate as of January 2016. Central Valley Community Bank reserves the right to make changes at any time as a result of a change of policy, law, and regulation or otherwise.

 

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