Savings Account Options

Whether you're saving for a dream vacation, or “just in case,” we have the saving solutions to help you achieve your financial goals. 

Start the journey with our savings options, and prepare your action plan. Saving money can be overwhelming, but Bank Central is here to make it easy. Begin saving for your future today!


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SaveUp Savings Account

Save virtually anywhere with our SaveUp Savings Account. With a competitive interest rates and automatic saving features, you’ll be ahead of the game.

  • Free Online and Mobile Banking1 – access your accounts from virtually anywhere
  • Easily make deposits with our mobile app1
  • Free InfoLine Telephone Banking
  • Free eStatement – access your account statement in one location for up to seven years
Open an Account

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Add to your savings whenever you use your debit card with RoundUp! Choose to round up each of your Mastercard® debit card transactions to the nearest dollar, and transfer the difference from your checking to your savings account at the end of each business day. Or, you can choose to transfer $1, $2, or $5 from your checking to savings account with each debit card transaction.

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Money Market Account

With a Money Market Account, you’ll earn interest with some of the features you expect from a checking account.

  • MMAs offer a higher interest rate than traditional savings accounts
  • Great place to store emergency cash
  • Write up to six checks per statement cycle2
  • Free Online and Mobile Banking1 – access your accounts from virtually anywhere
  • Free InfoLine Telephone Banking
Open an Account

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Traditional IRA

Our Traditional IRA will jumpstart your savings for retirement. Watch your account grow as tax is deferred until you’re ready to retire.

  • A traditional retirement account
  • Tax deferred until after retirement
  • You can make contributions if:
    • You’re under the age of 70 ½
    • If you earn income from employment
    • You haven’t already maxed out ($6,000 a year or $7,000 a year if you’re over 50)

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Roth IRA

Prepare for retirement with a tax-deferred solution, so you can relax in your golden years.

  • Similar to a Traditional IRA, but with one key difference – Taxes
  • You pay taxes on your contributions upfront.
  • However, all gains are completely tax free after age 59 ½
  • You can make contributions at any age if:
    • You have earned income from employment
    • You haven’t already maxed out as an individual ($6,000 if your adjusted gross income is less than $137,000)
    • You haven’t already maxed out as a married couple ($12,000 if your adjusted gross income is less than $203,000)

The Central Trust Bank operates under the brand names Central Bank, Jefferson Bank, and Bank Central.
Accounts under these brands are combined for FDIC Insurance coverage.

1Mobile carrier data and text rates may apply.
2Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, debit card, or similar order to third parties are limited to six per monthly statement cycle.