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Accounts
Designed for

The Way You Live

Whether you’re managing daily finances, saving for something meaningful, or planning ahead, our accounts are built to fit the way you live.

Start Your Journey

Choose Your Account

  • Checking
  • Savings
  • Money Market
  • CDs

Personal
Checking Account

Our Personal Checking Account strips away unnecessary fees and restrictions, giving you all the essentials you need with none of the complications.

  • $100 minimum deposit to open
  • Unlimited transactions – use your account as much as you need
  • Debit card with Apple Pay and Google Pay integration
  • Complete digital banking access from anywhere
  • Use any ATM in the country, we reimburse the service charge up to 5x/month

Personal
Savings Account

Help your kids get started on the right foot. The Rob Machado Surf and Save Account offers a high interest rate account for your kids 18 and under.

  • $100 minimum deposit to open
  • Unlimited deposits with convenient access to funds
  • Access to online banking
  • High yield interest rate across all balances

Personal
Money Market Account

When you want your money to work harder without locking it away, our Money Market Account delivers the perfect balance of growth potential and accessibility.

  • $100 minimum deposit to open
  • Tiered interest rates that reward higher balances
  • Unlimited deposits with convenient access to funds 
  • Full access to our intuitive digital banking platform

Certificates of Deposit


When you have a specific timeline and want guaranteed returns, our CDs offer competitive rates with the security you expect.

  • $25,000 minimum balance to earn APY
  • Fixed rates for the entire term
  • Automatic renewal options available
  • Current rates:
•  3-Month Term: 3.25% APY
•  6-Month Term: 3.50% APY
•  9-Month Term: 3.60% APY
•  12-Month Term: 3.75% APY


Offer Expires 11/30/2026. New money only. The interest rate, annual percentage yield (APY) and conditions are effective as of 9/21/2026 and may change without notice. APY is fixed for the term of the certificate and assumes principal and interest remain in the account for the selected term. Early withdrawal penalties may apply. Upon maturity, the promotional CD will automatically renew into a new CD that corresponds to the initial term, at the then current rates and terms. Minimum required balance to earn APY is $25,000. Balances below $25,000 will earn standard rates in effect at the time balance falls below $25,000. Other rates and terms available. The Bank reserves the right to change the terms and conditions of the account at any time. Contact a branch office, customer care or call (800)785-5991 to request further information and complete terms and conditions of this offer.

What Sets Us Apart

Coast to Coast, Built Around You

 

A strong digital experience supported by local teams who understand your market. With banking professionals, we bring together localized expertise and a full suite of financial tools tailored to how you live and manage your money.

Flexibility That Grows With You

 

Our approach to personal savings is designed to balance access and growth. With a range of complementary account options, you can structure your savings around your goals, your timeline, and the moments that matter while staying adaptable as priorities evolve.

ProtectionYou Can Count On

 

All deposits are FDIC insured up to $250,000, providing security and peace of mind. Through the IntraFi CDARS Network, C3bank offers expanded coverage up to $10,000,000 so your funds remain both protected and accessible.