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You work hard for your money, and it should work hard for you. With a CNB personal savings or money market account, it will. Our options preserve your capital and help it grow.

Whenever you are ready, CNB is here for you. Stop by a branch, connect with us via Live Chat or call a CNB representative at 1 (865) 429-7521 to learn more about CNB’s Personal Savings Accounts.

Personal Savings Accounts

Citizens Savings

Savings accounts are a safe way to grow your money. This account compounds interest daily and pays it quarterly.


  • No service fee with $50 minimum balance
  • Low quarterly $3 service fee for balance below $50
  • Interest is compounded daily and paid quarterly
Christmas Club Savings

This account is designed to help you save all year and recoup that savings plus interest in November, just in time for holiday shopping.


  • No service fee
  • Minimum deposit is only $5
  • Automatic fund transfers from your CNB checking or savings account
Certificates of Deposit

When looking for a low-risk investment for your hard-earned cash, many rely on a certificate of deposit (CD). A CD is a type of deposit account that typically offers a higher rate of interest than a regular savings account.

Individual Retirement Accounts

An Individual Retirement Account (IRA) is a savings plan that lets you put aside money you earn today to be used later for your retirement. The tax-deferred growth makes an IRA a powerful tool in your retirement plan.

Money Market Options

You can earn even more on your savings with a CNB money market account, which pays interest monthly on the daily collected balance. There is no monthly service fee if you maintain the following minimum collected balances*:

Citizens Insured Money Market Plus

Citizens Select Account

Citizens Prime Reserve Account

Citizens Platinum Account

Money Market Features

  • Earn higher interest on minimum collected balance
  • Earn base interest on balance below minimum
  • Unlimited in-person and CNB ATM withdrawals

*A $10 service charge applies if money market account falls below minimum.