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Let us help you find the right personal savings account.

We open accounts a little differently here at C&F Bank because we take the time to first understand your personal banking preferences and needs before we make a product recommendation. By asking thoughtful questions and listening closely, your personal banker will do more than open a savings account for you – together, we will develop a detailed plan for your personal finances. We call this process our C&F Relationship Review and it’s free of charge to all C&F Bank customers.

CALL or EMAIL any of our convenient bank locations to schedule your C&F Relationship Review for a time that’s most convenient for you.

The safety of your information security is important to us and we want you to know that while we may contact you regarding your account for suspicious activities, we will never ask you to provide your login credentials over the phone or via e-mail. Learn more

All our personal savings accounts come packed with these standard services:

  • Online Banking

  • Mobile Banking

  • eStatements

  • TeleBank24 Telephone Banking with no-cost fund transfers, call 800-296-4968

  • Statement Savings

    This popular low-balance option offers basic savings features and full accessibility.

  • Money Market Savings 

    Build the savings you want with the access you need—while your account earns interest.

  • Holiday Club Savings 

    You’ll be glad you planned early for the holidays when you receive your funds in October!

  • Super Savers Club

    Give children ages 5 – 17 the opportunity to learn financial responsibility with this money management tool for kids.

  • Certificate of Deposit

    Take advantage of premium fixed rates and flexible terms from 1 to 72 months.

  • Individual Retirement Account

    Choose the amount of your investment with a 12-to-72-month IRA featuring attractive terms.

  • Investors Choice

    Lock in your rate for 12 months while making deposits and withdrawals without fees.

  • InvestFlex

    Earn a competitive rate with flexible options to deposit and withdraw.

Compare our Personal Savings Accounts

Product

Statement Savings

Money Market Savings

Holiday Club

Super Savers

Certificate of Deposit

IRA

Investors Choice

InvestFlex

Premium Interest

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Competitive Interest

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Online Banking

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Mobile Banking

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Open an Account

Call or stop by any of our bank locations today and speak with one of our relationship managers.

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Open Account Online

  

Statement Savings

This popular low-balance option offers basic savings features and full accessibility.

What is included in addition to the standard services?

  • Competitive interest rates
  • Low opening deposit
  • Online fund transfers
  • Combined quarterly statements

How do I qualify?

A $100 minimum daily balance is required to avoid a monthly maintenance service charge.

Open Account Online

Health Savings Account

A Health Savings Account (HSA) is a convenient tax-advantaged account for managing your personal medical costs. Use a C&F VISA™ Debit Card2 to pay for qualified medical expenses or save for future expenses on a tax-free basis!

  • The funds you put into your account are not taxed, nor is the interest you accrue on the account balance.*
  • Save more for medical expenses you incur today or in the future, then easily pay for them using your special HSA debit card.
  • Use the funds for a variety of medical expenses.

*Consult your tax advisor for more information.

2 Non-C&F Bank ATM fees may apply.

Money Market Savings

Build the savings you want with the access you need—while your account earns interest.

What is included in addition to the standard services?

  • A competitive tiered rate of interest
  • Limited check-writing privileges
  • Unlimited withdrawals and transfers with no withdrawal and transfer fees.
  • Deposits via online transfers, direct deposit or at a branch
  • Monthly statements

How do I qualify?

A $2,500 daily minimum balance is required to avoid a monthly maintenance service charge.

Open Account Online

Holiday Club Savings

You’ll be glad you planned early for the holidays when you receive your funds in October!

What is included in addition to the standard services?

  • Competitive interest rates
  • Custom savings amounts, frequency of deposit, and maturity dates
  • Direct transfers from C&F checking or savings accounts

How do I qualify?

You set the amount and frequency of your holiday savings . For more information, please call or visit any of our convenient bank locations.

Super Savers Club

Give children ages 5 – 17 the opportunity to learn financial responsibility with this money management tool for kids. 

What’s included in addition to the standard services?

  • A $5 opening deposit match provided by the bank at account opening
  • A higher interest rate for the first $500 dollars for the first 15 months that the account is opened
  • A fun starter package  at account opening that builds excitement with your young saver

How do I qualify?

Open your account with only $5 to receive a bank matched deposit of $5. A parent or guardian checking or savings account at C&F Bank is required. 

Download Super Saver's Savings Activity!

Certificate of Deposit

Take advantage of premium fixed rates and flexible terms from 1 to 72 months.

What is included in addition to the standard services?

  • Premium fixed interest rates
  • Interest paid by check, auto credit to another C&F account, or compounded quarterly to the certificate
  • Flexible terms from 1 to 72 months
  • Automatic renewal

How do I qualify?

Qualifications vary. For more information, please call or visit any of our convenient bank locations.

Open Certificate of Deposit Online

Individual Retirement Account

Choose the amount of your investment with a 12-to-72-month IRA featuring attractive terms.

What is included in addition to the standard services?

  • Premium interest rates
  • Quarterly compounding
  • Automatic distributions available
  • Flexible terms from 12 to 72 months
  • Automatic renewal

How do I qualify?

Qualifications vary. For more information, please call or visit any of our convenient bank locations.

Investors Choice

Lock in your rate for 12 months while making deposits and withdrawals without fees.

What is included in addition to the standard services?

  • Competitive fixed interest rates, guaranteed for a year
  • Quarterly compounding
  • One penalty-free withdrawal per calendar quarter
  • Option to add deposits ($500 minimum) to original balance at any time
  • No paper certificates to misplace
  • Automatic renewal

How do I qualify?

A $5,000 minimum opening balance and an active checking, savings or money market account with C&F Bank is required.

InvestFlex

Earn a competitive rate with flexible options to deposit and withdraw.

What is included in addition to the standard services?

  • Competitive fixed interest rates, guaranteed for a year
  • Quarterly compounding
  • One penalty-free withdrawal per 12-month term
  • Option to add deposits ($1000 minimum) to original balance at any time
  • No paper certificates to misplace
  • Automatic renewal

How do I qualify?

A $10,000 minimum opening balance, $5,000 must be new money (defined as currently not on deposit with C&F Bank).  

Open Account Online

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