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Personal Savings Solutions

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Financial goals are very important, whether you want to earn extra money, save for an education or invest for retirement.  From small savers to savvy investors, Clearfield Bank & Trust has savings account solutions that are right for you.

Statement Savings

  • Interest bearing
  • No service charge, if minimum balance is met
  • Quarterly statement
  • Unlimited deposits
  • Maximum 6 third party transactions per month

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Super Star Savings   

  • Youth age 17 or younger  
  • No minimum balance required
  • No monthly service charge
  • Unlimited deposits
  • Maximum 6 third party transactions per month

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Holiday & Savings Club   

  • Save for holidays, vacation, taxes, insurance, tuition and more
  • Interest Bearing
  • Holiday Club period ends in October and Savings Club period ends in April (penalty for early withdrawal)
  • Automatic transfer to a checking or savings account at the end of each club period, club accounts automatically renew
  • Set up automatic deduction from a Clearfield Bank & Trust account or as a payroll deduction
  • Contributions made as you prefer, in the amount you prefer

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Health Savings Account (HSA)

The purpose of this account is to help build savings for current and future medical expenses.  A HSA is a tax-exempt account established to help you, your spouse and your dependents cover qualified medical expenses.  Eligibility can be confirmed by your health provider and tax/legal professional.  This is a tiered interest account with check writing privileges.   

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Start Smart Account

This is a basic savings account designed to offer lower income individuals and families a safe, low-cost electronic account as an alternative to non-bank, higher costing financial services.  This account is perfect for those individuals rebuilding a banking relationship.

  • Interest Bearing
  • Low opening deposit
  • Low minimum balance required (maintenance fee applies if minimum balance not met)
  • No overdraft or NSF fees
  • Must meet income qualifications

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Certificate of Deposit (CD)

  • Pays higher rate of interest compared to traditional savings option
  • Minimum deposit amounts required and vary with CDís term
  • Interest can be compounded, deposited into CB&T account or distributed via check
  • Fixed or Variable rates
  • Early withdrawal penalty applies

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Flex CD     

  • Withdraw funds with no penalty, after first 7 days
  • Add funds, as you like, with deposits of $100 or more
  • Fixed or Variable rates
  • Perfect if you are uncertain as to when you may need extra cash

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Individual Retirement Accounts (IRAís)

  • Helps you plan for retirement
  • Save a little or a lot depending on your needs
  • Maximum contribution defined by the IRS
  • Discuss possible tax benefits with your tax advisor
  • Fixed or Variable rates

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For fees associated with our Products and Services, please refer to our Personal Fee Schedule available at any Community Office Location.