PERSONAL/CONSUMER PRODUCTS
Discover a wealth of options to meet your financial needs!
Deposit Accounts
Regular Savings
Insured Money Markets
Certificate of Deposits
IRAs
Holiday Helper Accounts
VISA Debit Card “Direct Check”
Regular Checking
Super NOW Checking
Basic Checking
Golden Advantage
Electronic/Special Services
24 Hour Telephone Banking
Internet Banking
Shore BancLink & ATM Locations
Financing Options
Mortgages
CNB's Educational Mortgage Plan
Installment Loans
C.A.R.E Loans
Auto/Boat Loans
Wye Mortgage
Home Equity Lines of Credit
1st Time Home Buyers
REGULAR SAVINGS
Our basic plan is a great way to save!
Features include:
- Interest compounded daily, credited monthly
- Receive detailed statements
- No minimum balance to open account
- Unlimited ATM withdrawals
- Safe, secure, and guaranteed
For higher balance accounts, check out our Insured Money Market.
ATM Card available with Regular Savings.
Back To Top
The more you save, the more you earn!
Available to individual and joing relationship depositors:
- Interest compounded and credited to Insured Money Market monthly
- Receive detailed statements
- Increased interest rates begin at $2500 and $25,000
- Convenient funds access
ATM Card available with Insured Money Market
CERTIFICATES OF DEPOSIT
Simplify your financial life!
Invest as little as $500 today:
- Low opening deposit
- Deposits insured up to $100,000
- Interest calculated on daily balance
- Withdraw interest without penalty
- Add to your existing account at maturity
- High-rate, short term investment
The higher the balance on a Certificate of Deposit, the more interest you may earn. A variety of terms are available for Certicates of Deposit. Ask us for details!
Note: Early withdrawal penalty may apply on Certificates of Deposit.
Invest your money in a safe, secure, and insured term deposit. Terms as short as 90 days!
Back To Top
INDIVIDUAL RTIREMENT ACCOUNTS
Make your retirement years comfortable!
CNB offers:
- Simple IRA
- Traditional/Spousal IRA
- Simplified Employee Pension (SEP)
- Coverdell Education Savings Account (formerly Educational IRA)
- Roth
- Self-Directed IRA
A wonderful feature of a Roth IRA is that there are no Internal Revenue Service (IRS) restrictions on when withdrawals must begin (versus the Traditional IRAs which have required mandatory distributions when you reach 70 1/2).
Unlike traditional IRAs, there is no age limitation for Roth IRA contributions. You may qualify to contribute to a Roth IRA at any age.
For Traditional IRAs and Roth IRAs the maximum annual contibution is $4,000 with an additional $1000 contribution permitted for persons age 50 or older.
Self-Directed IRAs (SDAs) are one of the fastest growing types of individual retirement arrangements. SDAs allow you to direct your retirement dollars into a broad range of investments. You match your savings plan to the level of risk you desire.
SDAs appeal to customers who are familiar with the stock market, desire higher yields, enjoy directing their own investments, and are willing to take more risks with their retirement savings.
Investments in SDAs may not be insured by the FDIC.
Let us help you plan for the future. Ask us for details on the many benefits of an Individual Retirement Account.
Back To Top
HOLIDAY HELPER
There’s no better way to save for the holidays! Select an amount to be deducted automatically from your checking account and deposited into an account for your holiday spending — or even for paying property taxes. You decide what to spend your savings on; we help you save!
The balance in this account is paid to the consumer on September 30th annually!
THE CHRISTMAS CLUB
Similar to the Holiday Helper, but with a coupon book for deposits,the Christmas Club is an excellent way to save for your holiday spending or whatever you choose.
The balance in this account is paid to the consumer on October 1st annually!
REGULAR CHECKING
Unlimited check writing privileges!
Choose our Regular Checking account and we will waive the monthly activity fee of $5 if you maintain an average monthly balance of $500, or if you have compensating balances of $1,500 or more in savings, insured money market, and/or certificates of deposit. This account is free if you have Direct Deposit.
Statements are sent with imaged checks for easy record keeping and your safety against fraud.
Purchase checks for as low as $10.70!
Back To Top
SUPER NOW CHECKING
Our SuperNOW Checking account has two great benefits!
Earn interest on all of your balances with this variable interest rate account. Interest compounds and credits to your account monthly. Higher balances earn higher interest: Interest rates increase at balances of $5,000 and $25,000.
No Centreville National Bank ATM fees (surcharges apply). Surcharges are waived at The Talbot Bank and The Felton Bank ATMs.
Statements and imaged checks are mailed monthly.
BASIC CHECKING
Checking with no minimum balance.
The first six checks each month are paid at no charge. All subsequent checks are $0.50 each.
Statements and imaged checks are mailed monthly.
Basic Checking is perfect for people who don’t write a lot of checks.
No Centreville National Bank ATM fees (surcharges apply). Surcharges are waived at The Talbot Bank and The Felton Bank ATMs.
GOLDEN ADVANTAGE CHECKING
Age Has Its Privileges.
If you are 62 years of age or better, enjoy free checking with extra privileges. Receive free checks, traveler’s checks, and statement reconciliation. Our experienced customer service representatives are available to balance your statement.
Let us help you enjoy worry-free checking with the Golden Advantage!
No Centreville National Bank ATM fees (surcharges apply). Surcharges are waived at The Talbot Bank and The Felton Bank ATMs.
CLUB DIRECT CHECKING
The checking account that opens the door to value!
Take advantage of the many benefits you’ll receive when you become a Club Direct member. If you prefer to maintain no minimum balance, this is the account for you. And you’ll earn interest on a checking account balance greater than $1,500. Receive all of the personalized (with your name and address) checks you need at no additional cost. Special Club Direct members receive automatically:
- Five free foreign bank ATM transactions
- No charge for traveler’s checks, cashier’s checks, and money orders
- 24 Hour private passenger automobile and common carrier Accidental Death insurance
- Date Reminder® service
- Grocery coupons
- Saver’s Club® book
- Golf discounts
- Continental Airlines discounts
- Auto Trip routing
- Travelers Advantage®
- Shoppers Advantage®
- Interactive Benefits Feature Web site access
You’ll receive all of these great benefits for $7 per month. If you are 50 or older, you can enjoy Club Direct Checking for just $5 per month.
No Centreville National Bank ATM fees (surcharges apply). Surcharges are waived at The Talbot Bank and The Felton Bank ATMs.
Back To Top
DIRECT CHECK VISA® DEBIT CARD
You may never carry cash again! The Direct Check VISA® debit card replaces your ATM card!
Access your account(s) to make purchases, get cash, or even to check your account balance. Use your card worldwide — anywhere you see the VISA® logo.
Make a purchase at any merchant location featuring the VISA® logo, and the amount is deducted from your Centreville National Bank checking account.
VISA® STAR® CIRRUS®
Back To Top
Our mortgage product selection makes buying a home easier than ever. Best of all, our quick service, prompt approval and efficient closings make it easy for you to receive the money you need for your home. Fixed or variable rate options available. Contact us and we’ll get you an application promptly.
CNB'S EDUCATIONAL MORTGAGE PLAN
Full time teachers take advantage of CNB's Educational Mortgage Plan with 100% financing for your new home. This program is specifically designed for full time teachers who want to buy or build a new home, work full time in an accredited elementary, middle, or high school in Queen Anne's, Caroline, Kent or Talbot County of Maryland and meet our loan underwriting guidelines. This program is especially attractive to new teachers.
- First time home buyers
- Limited or no funds for down payment
- Would like to take advantage of 30 year amortization with a 1, 3, or 5 year adjustable rate mortgage
- May want to include closing costs in financing
- Convenient payment - payments will be automatically deducted from your CNB checking account
INSTALLMENT LOANS
We have the money you need to make that special purchase!
Why?
- Quick approvals
- Secured or unsecured loans available
- Fixed, competitive rates
- Rate reduction for automatic deduction from deposit account
- Credit Life and Disability insurance available
Back To Top
Your Needs Are Never To Small!
Loan amounts less than $999
Fixed Rates
Credit Life and Disability Insurance available
Easy and convenient cash
AUTO/BOAT LOANS
Some automobile dealers are offering 0%-3.9% financing rates — if you qualify. Is this really a good deal? Bigger down payments, short terms, and missed rebates might not be in your best interest. We’ll help you shop for great rates on honest deals!
Choose from two options to purchase your vehicle or boat:
1. Fixed rate
- Fast turnaround
- Low APR
- Financing up to 80% of sale price (new), 75% of used (NADA book value)
2. Home Equity Line of Credit (interest paid may be tax-deductible*)
- Low variable rate
- Repayment terms of one to 20 years
Use the equity in your home to purchase your new vehicle!
*Consult your tax advisor for more details.
Now you can get all of the flexible loans available in today's market right here in the security of a locally owned and operated community bank. Are you torn between the great home loan rates offered by the mortgage companies and the security of a home town bank? Well, the secret is out! Finally you can have it all in one place. With creative financing options, fixed terms for as long as 30 years, and FHA and VA loans offered at the best rates in the market place, we do it all!
It's time to take full advantage of what your house can do for you. A Home Equity Loan from The Centreville National Bank of Maryland can help you get what you need space and a new addition to your home, a college education or a well deserved vacation.
Get out of your house (what you put into it.)
We pay $500 toward closing costs!We offer a variety of fixed and variable interest rate products with flexible terms for first time home buyer loans up to $175,000. If you are a first time home buyer you can save $500 on closing costs. We pay $500 toward closing costs!
