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Explore our savings accounts

Savings and money market accounts

Personal Savings

A savings account with a low minimum balance requirement and the ability to earn more interest when you maintain a higher balance.

  • No maintenance fees if the balance is above $2502
  • Earns a tiered interest rate
  • Minimum $50 deposit to open this account

Personal Money Market

A money market account that earns a competitive interest rate and provides liquidity and easy access to your money.

 

  • No maintenance fees if the balance is above $2,5003
  • Earns a tiered interest rate
  • Minimum $50 deposit to open this account

Certificates of Deposit (CD) accounts

CDs

A low-risk investment that earns a guaranteed return at a fixed interest rate and term.

  • No annual or custodial fees
  • Earn an interest rate with terms from 30 days to 5 years
  • Minimum $1,000 deposit to open this account and earn interest
  • Renewed automatically at maturity

Jumbo CDs

A low-risk investment with a $100,000 minimum balance requirement that earns a guaranteed return at a fixed interest rate and term.

  • No annual or custodial fees
  • Earn an interest rate with terms from 7 days to 5 years
  • Minimum $100,000 deposit to open this account and earn interest 
  • Renewed automatically at maturity

Additional products and services may be available for clients with relationships of $1 million or more. To learn more, contact your relationship manager or visit your local banking center Opens in a new window..

If you have questions about these products, call our Client Support Center at 877-448-6500 Opens your phone app..

Our accounts are FDIC-insured Opens in a dialog..

Start banking with us

Apply online

To get started, you'll need your social security number, a US address (not including US territories) and a driver's license or State ID. You can apply online for savings and money market accounts only. 

Ways to fund your account:

  • Make an internal transfer from an existing CIBC Bank USA account
  • Transfer money from another bank5  
  •  Mail a check to CIBC Bank USA, 6825 West 111th St., Worth, Illinois 60482

Apply at a banking center

To get started, you'll need your identification, such as driver's license, state ID, military ID or passport (US or other) and proof of address. You can apply for savings, money market and CD accounts at our banking centers. 

Ways to fund your account:

  • Deposit cash in branch
  • Transfer from an existing CIBC Bank USA account
  • Write a check from an external account

Sign up for digital banking

Manage your accounts with ease wherever you are. You can deposit checks, transfer funds, automate bill payments and more, all from your computer or mobile device.

Learn more about digital banking

Your savings account questions answered