Savings Accounts

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	Student Savings Age 22 or under	Basic 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 +	$0 Download our HSA brochure for full details.
No service charge if minimum balance met. Monthly service charge if balance falls below minimum balance required.	$2	$2	$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. View current rates.	Yes; accrues daily and credited to account bi-annually. View current rates.	Yes; accrues daily and credited to account bi-annually if checking account is active. 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.		Receive additional interest on your savings with our Relationship Raise. Requires a current, residential real estate or personal loan. Unsecured personal loans and credit reserve loans do not qualify for this rate.
	Open Account	Open Account	Open Account

Service charge waived if minimum balance requirement met. For Premium Savings the lowest tier balance must be met to avoid the service charge.
Rate subject to change after account is opened - APY accurate as of 04/28/2023.
Must be an owner on an active checking account with Clear Lake Bank and Trust to qualify.
Receive additional interest on your savings with our Relationship Raise. Requires a current, residential real estate or personal loan. Unsecured personal loans and credit reserve loans do not qualify for this rate.
Fees could reduce earnings on account.