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Clear Lake Bank & Trust

641.357.7121

Family in a kitchen

Savings Accounts

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

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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-$999,999
  • $1,000,000+
$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. 

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

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.