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Personal Savings

CHAMPLAIN STATEMENT SAVINGS

A great way to save.  Open a savings account with as little as $25 and earn interest on every dollar.  Plus, we'll send you a detailed statement to help keep you on track.  You can access your money 24/7 with a free ATM card too.  To avoid a $2 monthly maintenance fee, just keep a $100 minimum daily balance in this account.  Variable interest rate.  Interest accrues on daily collected balance.  Federal transaction limits apply: $10 Excess Debit Activity Fee.

CHAMPLAIN MONEY MARKET

A money market account allows you to reach your savings goals faster, while keeping your money easily accessible.  Plus, the more money you have in this account, the higher the interest rate.  Open one with as little as $1000, and avoid a $5 monthly maintenance fee by keeping a $1000 minimum daily balance.  Variable interest rate.  Interest accrues on daily collected balance.  Tiered Interest ($0.00 - $9,999.99; $10,000 - $24,999.99; $25,000 - $49,999.99; $50,000 - $74,999.99; $75,000 +).  Federal transaction limits apply: $10 Excess Debit Activity Fee.

CHAMPLAIN PRIVILEGE MONEY MARKET

For our Champlain Privilege checking account clients only!  Enjoy our best money market rates and discover why it pays to keep your money with us!  It only takes $25 to open, plus enjoy never seeing a monthly maintenance fee from us.  Champlain Privilege Checking account required.  Variable interest rate.  Interest accrues on daily collected balance.  Tiered interest ($0.00 - $9,999.99; $10,000 - $24,999.99; $25,000 - $49,999.99; $50,000 - $74,999.99; $75,000 +).  Federal transaction limits apply: $10 Excess Debit Activity Fee.

CHAMPLAIN BIRTHDAY SAVINGS CLUB

Help your child establish good savings habits at an early age by having them get their very own savings account!  Kids in the Club will enjoy seeing money go into their account on their birthday in the amount of their age. ($1 per year up to age 12.)  Plus, we’ll give any child who opens this account a piggy bank to help them keep their money in one place at home before bringing it to the Bank!  They only need $5 to open this club account.  For ages 12 and younger.  Account holder must visit a branch within 30 days of birthday to request bonus.  Birthday money will be reported on a 1099-INT.  Variable interest rate.  Interest accrues on daily collected balance.  Federal transaction limits apply: $10 Excess Debit Activity Fee.

CHAMPLAIN CHRISTMAS CLUB

The perfect way to save for Christmas!  Open a club account for as little as $2 and earn a fixed rate of interest all year.  You’ll be happy to avoid all that financial stress during the holidays, knowing that you saved.  Deposits into this account must be made through an automatic transfer from one of your other Champlain National Bank accounts.  There is a $2 early closing penalty.  No withdrawals except at maturity.  Interest accrues on daily collected balance.

CERTIFICATE OF DEPOSIT

A Certificate of Deposit is a great savings option if you don’t need access to your money for a set period of time.  Choose a term that suits your needs and enjoy receiving a competitive rate to help you meet your savings goals faster.  It only takes $500 to open a CD today!  Fixed interest rate.  Penalty for early withdrawal.

TRIPLE OPTION CD

Who doesn’t like having options?  This special Certificate of Deposit allows you to do the three things that typically are not allowed during a CD term: make one withdrawal (up to 50% of the principal balance), make an additional deposit AND ask for a rate increase if rates go up.  With options like this, you won’t believe your money is still earning a CD rate!  Open one with as little as $1000.  Fixed interest rate.  Penalty for early withdrawal.

CDARS AND ICS

Using the CDARS (Certificate of Deposit Account Registry Service) and ICS (Insured Cash Sweep) network, we will place your money at multiple banks in amounts under $250,000.  Enjoy full FDIC insurance on deposit amounts larger than $250,000.  CDARS deposits earn CD level returns and the value of your money can support local lending opportunities.  ICS accounts provide the liquidity you need and can be established as a money market or a checking account.  The checking account option offers unlimited program withdrawals.  Federal transaction limits apply for money market.