Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Clear Lake Bank & Trust

641.357.7121

Family in a kitchen

Savings Accounts

We've got an account for every kind of saver. 

Swipe to view more


Student Savings
Age 23 or under 
Simple
Savings
Premium Savings  Health Savings Account
Minimum balance required to open and maintain account $25
$100
  • Must have CLB&T checking account.
Tiered                        
  • Below $10,000
  • $10,000-$49,999
  • $50,000-$99,999
  • $100,000-$249,999
  • $250,000-$999,999
  • $1,000,000+
$0

No service charge if minimum balance met. Monthly service charge if balance falls below minimum balance required.  $2  $5  $10/month if balance falls below $10,000. $2
Fee cannot be waived for HSA accts.
Interest Bearing 

Yes; accrues daily and credited to account
bi-annually. 

Yes; accrues daily and credited to account
bi-annually. 

Yes; accrues daily and credited to account
bi-annually. Rates subject to change daily without notice. View current rates. 
Yes; accrues daily and paid monthly.
Additional Details
Jr. Sailors Club account available for students 13 and under. Earn prizes and track savings via our app.







Open Account Open Account Open Account View Brochure

Student savings accounts will automatically switch to a Simple Savings Account when the customer turns 24 and may incur fees based on the account requirements. 



  • Service charge waived if minimum balance requirement met.  
  • Fees could reduce earnings on account.




  • For Premium Savings Account:
    • Lowest tier balance must be met to avoid service charge.
    • Must be an owner on an active checking account with Clear Lake Bank and Trust to qualify.