Sometimes boring is better. Get predictable returns with a CSB certificate of deposit.
Hey Students...if you have a Get Real Account, check out our 12-Month Get Real Add-On CD at 3.00% APY.^ View our Rates page for other specials. Or open online now!
BENEFITS YOU'LL LOVE
Earn even higher rates.
Our standard savings rates are already pretty great. But CSB CDs earn even higher rates. Generally, the longer your term, the better your rate. View CD rates.
Real returns.
Unlike other risky investments, you can rest assured with a CSB CD. Fixed rates let you know exactly how much you’ll earn. Just choose your term, lock in your rate, and wait for your payday.
- Fixed rates for length of term
- Terms range from 3 months to 5 years
- No setup or maintenance fees
- Early withdrawal penalties apply1
- $500 minimum deposit to open
How can I open a Certificate of Deposit (CD)?
You can visit one of our convenient branch locations to open a CD.
Where can I view my CD account number?
To view your full savings account number, all you have to do is log in to Online Banking and follow the steps below:
- Go to “My Accounts”
- Hover over the desired savings account and click
- Click on “Account Details” and your account number will appear
When will I begin to earn interest on my CD?
The interest will begin on the day of your deposit and is compounded daily and credited to your account on the last day of the month.
What is the difference between a Savings Account and a Certificate of Deposit?
A savings account lets you access your funds when you want. You can make deposits and withdrawals anytime. CDs however, are term deposits, so funds are locked up for a specific amount of time. Savings accounts are generally a variable rate account and can change, while the yield on a CD is fixed for the term.
What other types of Savings Accounts do you have?
We have several different savings account types — so you can choose the one that fits your specific needs. A full list of our savings products can be found on our Savings page.
Is my balance insured?
Yes, Clinton Savings Bank offers both Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) to protect your deposits. FDIC covers up to $250,000 in deposits per account owner/ownership category. This means individual accounts and joint accounts at insured institutions can each receive $250,000 of insurance with a common account owner. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).
^APY (Annual Percentage Yield) is for 12-month Get Real Add-On CD promotional rate CD. Rate effective 8/28/2025. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Minimum deposit of $100.00 required to open CD and a $10.00 minimum balance required to obtain APY. To qualify for this account, you must be 14-25 years of age with an active Get Real Checking Account or Get Real Savings Account. If you are under the age of 18 you will need a signature of a parent or a legal guardian as a joint owner. After the account is opened, you may make deposits until the maturity date. Deposits can be made at the branch or transferred from another account via online banking or our mobile app. At maturity, the 12-month Get Real Add-On CD will revert to a 12-month CD which will not accept additional deposits after the account is opened with the non-promotional APY at that time. Early withdrawal penalties may apply. Fees may reduce earnings. Offer may be withdrawn at any time. Not to be combined with any additional promotional offer. For more information, please call 888-744-4272(4CSB).
1Early withdrawals may result in interest penalties.