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We'll help you make the most of your savings.

Explore our savings account options below. When you're ready to get started, give us a call at 832.485.2300 or click here to contact us.

Introducing Student Savings

As a community bank, we believe in building a solid foundation for the area we live in, and reaching our youth and helping them begin their financial journey is great start. A Central Bank Savings Account can help the way your child looks at the future and give them the power that comes with having the safety net of a savings account.

  • $100 minimum opening balance
  • No maintenance fee
  • Monthly eStatements with images at no charge
  • Free Online Banking and Mobile Banking
  • Two free withdrawals per month, additional withdrawals are $2 each
  • No check writing available
  • Maintain account for 180 days to avoid early closing fee

Click here to print the Student Savings brochure.


Individual Savings Account

  • $200 minimum opening balance
  • Four free withdrawals per quarter, each additional withdrawal $2.00
  • Maintain $200 minimum daily current balance to avoid $10 (effective December1) quarterly service charge
  • Quarterly savings statement
  • Central OnLine
  • 24 hour “Easy Access” automated customer service

This account earns interest if the minimum daily current balance is $200 or more

Certificate of Deposit

We offer a variety of CD options. Please contact a Central Bank Representative to discuss what option works best to meet your financial needs.

Central Bank Rate Sheet

Certificate of Deposit Account Registry Service®, (CDARS)

Protect your investments with our Certificate of Deposit Account Registry Service®, or CDARS®, which provides access to security and peace of mind beyond $250,000.  Everything is handled through our bank.  Your large deposit is broken into smaller amounts and placed with other banks that are members of a special network.  Then, those member banks issue CDs in amounts under $250,000 so that your entire investment is eligible for FDIC insurance.  You earn one rate on your entire investment and receive one regular account statement listing all of your CDs.  Now you can invest up to $50 million and be eligible for FDIC insurance on every dollar.  Click here to be redirected to the CDARS website to learn more.

Have more questions about CDARS? Read our blog FAQs: Your Guide to CDARS

Insured Cash Sweep (ICS)

Insured Cash Sweep (ICS) service gives you peace of mind by allowing access to multimillion dollar FDIC protection on your demand accounts, money market deposit accounts, or both.  Enjoy unlimited program withdrawals using ICS demand option or up to six program withdrawals per month using the ICS money market deposit option. Click here to be redirected to the ICS website to learn more.