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Personal Savings


Tomorrow Is Worth Planning For

You work hard for your money, and we work hard to protect it with a full selection of strong, secure savings plans. Switch to Central Valley Community Bank and get the service you deserve.

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Features Regular Savings Minor Savings California Uniform Transfers To Minors Act (CUTMA Savings) Health Savings Accounts
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Description
For customers who need flexible access to account funds   

For customers under age 19 with a parent or guardian as joint accountholder
For custodians holding funds solely for the benefit of a minor as owner of the account

The custodian has access to the funds until released as specified by custodian 

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

Health Savings Account Frequently Asked Questions
Minimum Opening Deposit $50
$25
$25 $100
($20 one-time account set-up fee)

Monthly Service Charge
$5
(New accounts will not incur a service charge in the first 90 days if minimum balance requirement is met)
Account will convert to a Regular Savings Account when the minor reaches 19 years of age
$4 Monthly once the minor reaches 19 years of age
$3
Minimum Balance to Waive Service Charge $300 Daily Balance Not Applicable $300 Daily Balance $1,000 Daily Balance
Interest Earning
Yes

Interest is compounded every day and credited to your account every quarter 

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

Interest is compounded every day and credited to your account every quarter 

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

Interest is compounded every day and credited to your account every quarter 

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

No interest earned on days the balance falls below $500 

Interest is not compounded, accrues 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

None

None

CUTMA Savings accounts are eligible for ATM access only

Please see a New Accounts Representative with questions   

Contributions (2)

Benefits

Flexible access to account funds   

Free eStatements (1) 

Free Online Banking 

Flexible access to account funds   

Free eStatements (1)

Free Online Banking

Please see a New Accounts Representative for more details

Free Online Banking 

Unlimited check writing and debit card usage   

Monthly statements  

Free Personal Online Banking  

Flexible access to account funds  

Tiered rates for higher balances  

Free Online Banking

(1) eStatements require a valid email address and enrollment.

(2) You should consult your tax advisor regarding the tax benefits of contributing to a Health Savings Account. 

Please note: This information is accurate as of November 17, 2023. 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.