Personal Savings & CDs

Save today so you can do more tomorrow.

The best thing you can do for your personal financial health?
Save early and save often.

Whether you’re putting money away for college, saving for home renovations, or saving for a rainy day, we have account options to fit your finances, lifestyle and liquidity needs. Choose from a personal savings, money market or certificate of deposit (CD) to do more for your future. Open an account online or in person at one of our convenient locations and start making your money work harder for you.

Compare Our Savings Options


Consumer Money Market

$50 minimum to open

Certificate of Deposit

$2,000 minimum to open
Recommended for
Recommended for

Those who have made progress in building their savings and want to grow it faster while still having quick access to their funds.

Recommended for

Those who have budgeted well and have money in saving that you’re unlikely to need right away.


  • Earns interest with a $2,500 or greater daily balance
  • Free online & mobile banking app
  • Free eStatements


  • Fixed interest rate and fixed term
  • Monthly and yearly term options
  • Renewal options


A $15 service charge fee is applied if average daily balance falls below $2,500. A $10 excessive withdrawal fee is applied each withdrawal exceeding 6 withdrawals per monthly statement cycle. eStatements are free, paper statements cost $5 per month.


Certificate of deposit (CD) interest rates and APY's are subject to change at maturity. CDs have a 10-calendar-day grace period at maturity before auto renewing. Penalty may apply for early withdrawal, and fees could reduce earnings.

ANB Go Mobile Banking Features

Online and Mobile Banking

Deposit checks, check account balances, locate branches, and pay bills 24/7 with our secure online banking platform and mobile app.

Direct Deposit

Set up direct deposits that allow your money to be deposited directly into your savings accounts

Account Alerts

Custom alerts notify you about the status of your account and ensure you’re tracking toward your savings goals.

Chat Support

Secure messaging allows you to communicate directly with client support within the ANB Go app.

Money Monitor

Create budgets, establish savings goals, plan to pay down debt, it can all be done in one easy-to-use tool that’s right at your fingertips.

Wealth Management Tool

Link your accounts to see your financial portfolio in one place. Your net worth is tracked each month, allowing you to monitor your financial progress.

Looking for protection beyond $250,000?

American National Bank offers Insured Cash Sweep (ICS) and Certificate of Deposit Account Registry Service (CDARS) accounts for personal and business clients. This cash management solution allows you to earn interest on your high balance deposit funds while also providing maximum FDIC insurance coverage.