Christmas Club Plan ahead for next year's holiday expenses No Monthly Service Fee Annual Paper Statements at Maturity FREE Online Banking, Mobile Banking, & eStatements Advertised Annual Percentage Yield is fixed until account maturity on October 1st each year Minimum deposit required to open an account - $10 Minimum balance required to obtain the advertised Annual Percentage Yield - $50 Term of the account - account matures on October 1st each year Additions to account - requires an automatic transfer from another CNB Bank & Trust, N.A. account at least once per month Interest will be credited and paid at maturity, with the full balance paid by check or direct deposit to another account A penalty will be imposed for early withdrawal and the entire balance must be withdrawn Daily BalanceBranchMin. Opening DepositRateAPY$50.00 and aboveCentral Illinois$10.000.500 % 0.500 % $50.00 and aboveSt. Louis$10.000.500 % 0.500 % $50.00 and aboveChicago$10.000.500 % 0.500 % Selected Rates current as of 11/27/2019, for approved customers.