Personal Savings

Easy to open. Easy to use. Easy to save. Our savings account products are designed to help give you the peace of mind in knowing that you have a nest egg. Our Little Savers & Youth Savings accounts will get you started early.

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to Open
Annual Percentage Yield (APY)* Minimum Balance to Earn Interest Monthly Service Charge Additional Information
Priority  Savings $0 If monthly qualifications are met on Priority Checking:  1.50% for balances up to $15,000.00 and 0.50% for balances over $15,000.00.

If monthly qualifications are not met, 0.05% on entire balance.
$0.01 n/a Priority Savings is linked to a Priority Checking account.  Priority Checking interest rewards are transferred to Priority Savings each month.

Priority Checking Monthly Qualifications

1. 12 or more debit card transactions at a minimum of $5 per transaction, must post and settle to the account.

2. Receive your monthly account statement electronically.

3. Have minimum $500 aggregate ACH credit post and settle.

See below for Priority disclosures.**

Regular Savings $25 0.10% $0.01 $4

Waived with $300 minimum daily balance

Little Savers

For savers ages 13 and under

N/A 0.10% $0.01  n/a * One custodian is required to open the account
Youth Savings

For savers ages 14-17
N/A 0.10% $0.01 n/a Joint ownership account offered to individuals between ages 14-17
Special Savings IRA $250 Tiered Rates
See chart below
Tiered Rates
See chart below
n/a n/a
Money Market $2,500 0.10% $10,000 $15

Waived with $5,000 minimum daily balance
Christmas Savings $10 0.05% $0.01  n/a 

Christmas withdrawal permissible at no charge, 10/31 - 1/31

$10 penalty per transaction if funds are withdrawn outside of specified months






$0.01 to $249,999 


$250,000 to $499,999


$500,000 to $999,999


$1 million and over



Certificates of Deposit (CDs)

Let our experts assist you with a term option that fits your savings goal with a CNext Certificate of Deposit. Our high yield, FDIC-insured, CDs combine security and higher returns on your investment.

  • Competitive interest rates
  • Higher earnings than regular savings
  • Terms from three months - five years
  • Early withdrawal penalties may apply 


*APY=Annual Percentage Yield. APYs accurate as of 08/01/2021. Rates may change after account is opened. Fees may reduce earnings.

**Priority Checking and Priority Savings Disclosures
Minimum to open is $100 for Priority Checking and $0 for Priority Savings. For Priority Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; Century Next Bank charges a separate fee for using a non-Century Next Bank ATM. (2) balances up to $15,000 receive APY of 3.00%; and (3) balances over $15,000.00 earn 0.50% interest rate on the portion of the balance over $15,000, resulting in 3.00% - 0.50% APY (depending on the balance). If qualifications are not met on Priority Checking all balances earn 0.05% APY. Qualifying transactions must post and settle to the Priority Checking account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle means the first business day of the month to the last business day of the month. The advertised Priority Checking APY is based on compounding interest. Interest is compounded using the average collected balance method. Interest earned in Priority Checking is automatically transferred to Priority Savings each statement cycle and does not compound. Actual interest amount paid may be less than advertised Priority Checking APY. The Priority Savings APYs may be less than Priority Checking APYs. If qualifications in Priority Checking are met each monthly qualification cycle: (1) balances up to $15,000 in Priority Savings receive an APY of 1.50%; and (2) balances over $15,000.00 in Priority Savings earn 0.50% interest rate on portion of balance over $15,000, resulting in 1.50% - 0.50% APY (depending on the balance.) If qualifications are not met on Priority Checking, all balances in Priority Savings earn 0.05% APY. Limit one account per SSN.

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