Community Bank & Trust of Florida is the last local bank based in Marion County
Great, Everyday Ways to Save with Savings and Money Market Accounts
If you want to save but also need daily access to your money, Community Bank & Trust of Florida’s savings and money market accounts are a perfect fit. They have competitive rates, can come with debit card/ATM access and our money market accounts can come with check-writing privileges. Transaction limitations apply and fees may apply to these accounts. See which savings or money market account is right for you:
Prime
Money Market
First Class
Savings
Minor First
Class Savings
Opening Deposit$2,500$100$50
Monthly Fee$12 (if the balance falls below $2,500 any day of the monthly cycle)$5 (if the balance falls below $500 any day of the cycle)None
Tiered Interest RateYes (based on account balance)Yes (based on account balance)Yes (based on account balance
Additional Benefits
- Check writing privileges (limitations apply)
- Link to checking account for overdraft protection (fees and transaction limitations apply)
- Link to checking account for overdraft protection (fees and transaction limitations apply)
First Class Savings
A First Class Savings Account is a great way to save both for the future and any unexpected expenses while still having easy access to your money. Need to save for a child’s future? Try our Minor First Class Savings Account, which is a Florida Uniform Transfers to Minors account.
Prime Money Market Account
Our Prime Money Market account can earn a rate similar to a certificate of deposit but it gives you the same access to your money as a savings account, including debit card and ATM access. A Prime Money Market Account can also give you limited check-writing privileges.
Other Ways to Save:
Don’t need daily access to your money, or are you saving for longer-range needs? Learn about our certificates of deposit and our Individual Retirement Accounts.
Start saving for today and tomorrow. Visit any of our branch locations in Ocala, Belleview, Gainesville, Summerfield and The Villages.
Affordable and Flexible Checking Accounts That Make Sense
The personal checking account that you choose should make sense for the way you live and how you manage your finances. At Community Bank & Trust of Florida, we have several options to choose from – whether you’re looking for an account with no monthly maintenance fees, one that can earn interest or an account that links your entire banking relationship for additional benefits.
Classic Value
Checking
Classic
Checking
Premier
Checking
Opening
Deposit$50$100$100
Monthly
Fee$0$5$18
(waived if minimum daily balance is at least $10,000, or a minimum daily balance of $25,000 in related accounts)
Earns
InterestNoYes
(earned with minimum daily balance of $1,500)Yes
(based on account balance)
Free ChecksNoFirst OrderYes
(non-duplicate Premier style)
- Additional
Benefits
- Unlimited check writing
- Free check images with statements
- Unlimited check writing
- Free cashier’s checks
- Free check images with statements
- Free standard size safe deposit box rental *
- Unlimited check writing
*FDIC does not cover safe deposit boxes or their contents
«Click Here for Personal Products & Services Disclosure and Fee Information«
Benefits and Features of Your Community Bank & Trust of Florida Relationship
Your Community Bank & Trust of Florida benefits go far beyond the accounts that you choose. Each of our customers get first-rate customer service and the chance to have online and mobile banking, telephone banking and more. Here are just a few of the features that your banking relationship can give you:
ATM and Debit Cards
Your VISA® debit card gives you a convenient way to access your money, and is safer than carrying cash or writing checks. Use it to withdraw cash from an ATM or make purchases anywhere Visa is accepted.
Fee-free ATMs
Use your ATM card to withdraw cash with no fee at any Community Bank & Trust of Florida or Presto ATM at locations throughout the Marion, Sumter and Alachua County areas, including Publix Supermarkets.
Direct Deposit
You can have your paycheck or Social Security checks conveniently deposited directly into your account without traveling to the bank or worrying about mail delays.
Live Customer Service
To us, personal service means talking to people directly, so when you call Community Bank & Trust of Florida during business hours your calls will be answered by one of our employees. No matter which branch you call, there will be someone there that can help and you won’t be lost in an automated system.
Telephone Banking
It’s easy, convenient, and just a phone call away. You can bank by phone 24 hours a day, 7 days a week using our Telephone Banking. Just call 855-601-8838 and the automated system will guide you through a simple menu of options. Telephone Banking offers fast access to your accounts and enables you to conduct many transactions using our voice-activated banking system. Check balances and recent activity on your accounts, get information on your loans and transfer funds and do it from wherever you are, even if you’re not near a computer!
Debit Alert
Take a stand against fraud and get peace-of-mind. Debit Alert is a fraud protection alert notification program that allows you to receive secure text and/or email messages any time your debit card is used, so you can feel secure in knowing that you won’t be caught off guard by unauthorized transactions. Your carrier’s data and message rates may apply.
Overdraft Protection
There’s no longer any need to worry if you couldn’t get to the branch to make that deposit or if you forgot about that automatic withdrawal. When you enroll in our convenient overdraft protection, funds automatically transfer from your savings, money market account or another checking account to cover overdrafts. Fees and transaction limitations apply.
Smart Save®
Now you can save even when you spend. When you enroll in the Smart Save® program, any Community Bank & Trust of Florida Visa® debit card purchase you make will be rounded up to the next dollar and the difference will be transferred from your checking account to your savings or money market account.
Fast Pay
If you have an account with Community Bank & Trust of Florida with online banking, now sending money to people you know is a snap, no matter where they are in the U.S. or where they bank. No need to set up and link your bank account through another service. Fast Pay can do it all. Sign up for Fast Pay through Online Banking
If you’re already a Community Bank & Trust of Florida customer, be sure to take advantage of all of these features. If you haven’t opened up your account yet, stop by any of our branch locations in Ocala, Gainesville, Belleview, Summerfield and The Villages today.
We are taking personal service beyond the branch with our robust online banking features. Pay bills, view check images, view account sta
tements, transfer money between accounts, make a loan payment and much more from almost anywhere.
Other features of our online banking service include:
Online Bill Pay: Provides a quick, convenient and secure way to receive and pay your bills over the internet.
eStatements: Lets you quickly and easily keep track of your accounts and offers more security than paper statements while maintaining the same functionality.
Alerts: Stay on top of your account activity by signing up for our alerts system. You will be notified of any account activity and can easily check the status of your accounts. This program provides enhanced security and protection from fraudulent activity.
Fast Pay: If you have an account with Community Bank & Trust of Florida with online banking, now sending money to people you know is a snap, no matter where they are in the U.S. or where they bank. No need to set up and link your bank account through another service. Fast Pay can do it all. Sign up for Fast Pay through Online Banking
Mobile Web: If you have an internet connection, you have access to your account. Our robust mobile website lets you pay bills, track account activity, deposit checks and much more.
Mobile Banking: Your account is now available on your schedule with our mobile banking app. The Community Bank & Trust of Florida Mobile Banking App is fast, convenient and free*, and allows users to:
- Check account balances
- See recent activity
- View transaction history
- Transfer money between accounts
- Locate and get directions to ATM and branch locations using GPS
- Deposit checks by taking a picture of the front and back of the check
* Your carrier’s data and message rates may apply.
Community Bank & Trust of Florida Mobile Banking App
Bank on the go with Community Bank & Trust of Florida’s Mobile Banking App. Manage your accounts from your mobile phone when it’s convenient for you. The Community Bank & Trust of Florida Mobile Banking App combines the benefits of Internet Banking with the power of Android™ phones, the iPod® and iPhone®, providing quick access to account information. The Community Bank & Trust of Florida Mobile Banking App is fast, convenient, free* and allows users to:
- Check account balances
- See recent activity
- View transaction history
- Transfer money between accounts
- Locate and get directions to ATM and branch locations using GPS
- Deposit checks by taking a picture of the front and back of the check
* Your carrier’s data and message rates may apply. REGISTER: To use the Community Bank & Trust of Florida Mobile Banking App, you must be a Community Bank & Trust of Florida Internet Banking user. The Community Bank & Trust of Florida Mobile App allows you to access your accounts using your existing Community Bank & Trust of Florida Internet Banking username and password. To register for Internet Banking, please visit your nearest Community Bank & Trust of Florida office.
Affordable and Flexible Checking Accounts That Make Sense
The personal checking account that you choose should make sense for the way you live and how you manage your finances. At Community Bank & Trust of Florida, we have several options to choose from – whether you’re looking for an account with no monthly maintenance fees, one that can earn interest or an account that links your entire banking relationship for additional benefits.
Classic Value
Checking
Classic
Checking
Premier
Checking
Opening
Deposit$50$100$100
Monthly
Fee$0$5$18
(waived if minimum daily balance is at least $10,000, or a minimum daily balance of $25,000 in related accounts)
Earns
InterestNoYes
(earned with minimum daily balance of $1,500)Yes
(based on account balance)
Free ChecksNoFirst OrderYes
(non-duplicate Premier style)
- Additional
Benefits
- Unlimited check writing
- Free check images with statements
- Unlimited check writing
- Free cashier’s checks
- Free check images with statements
- Free standard size safe deposit box rental *
- Unlimited check writing
*FDIC does not cover safe deposit boxes or their contents
Benefits and Features of Your Community Bank & Trust of Florida Relationship
Your Community Bank & Trust of Florida benefits go far beyond the accounts that you choose. Each of our customers get first-rate customer service and the chance to have online and mobile banking, telephone banking and more. Here are just a few of the features that your banking relationship can give you:
ATM and Debit Cards
Your VISA® debit card gives you a convenient way to access your money, and is safer than carrying cash or writing checks. Use it to withdraw cash from an ATM or make purchases anywhere Visa is accepted.
Fee-free ATMs
Use your ATM card to withdraw cash with no fee at any Community Bank & Trust of Florida or Presto ATM at locations throughout the Marion, Sumter and Alachua County areas, including Publix Supermarkets.
Direct Deposit
You can have your paycheck or Social Security checks conveniently deposited directly into your account without traveling to the bank or worrying about mail delays.
Live Customer Service
To us, personal service means talking to people directly, so when you call Community Bank & Trust of Florida during business hours your calls will be answered by one of our employees. No matter which branch you call, there will be someone there that can help and you won’t be lost in an automated system.
Telephone Banking
It’s easy, convenient, and just a phone call away. You can bank by phone 24 hours a day, 7 days a week using our Telephone Banking. Just call 855-601-8838 and the automated system will guide you through a simple menu of options. Telephone Banking offers fast access to your accounts and enables you to conduct many transactions using our voice-activated banking system. Check balances and recent activity on your accounts, get information on your loans and transfer funds and do it from wherever you are, even if you’re not near a computer!
Debit Alert
Take a stand against fraud and get peace-of-mind. Debit Alert is a fraud protection alert notification program that allows you to receive secure text and/or email messages any time your debit card is used, so you can feel secure in knowing that you won’t be caught off guard by unauthorized transactions. Your carrier’s data and message rates may apply.
Overdraft Protection
There’s no longer any need to worry if you couldn’t get to the branch to make that deposit or if you forgot about that automatic withdrawal. When you enroll in our convenient overdraft protection, funds automatically transfer from your savings, money market account or another checking account to cover overdrafts. Fees and transaction limitations apply.
Smart Save®
Now you can save even when you spend. When you enroll in the Smart Save® program, any Community Bank & Trust of Florida Visa® debit card purchase you make will be rounded up to the next dollar and the difference will be transferred from your checking account to your savings or money market account.
Fast Pay
If you have an account with Community Bank & Trust of Florida with online banking, now sending money to people you know is a snap, no matter where they are in the U.S. or where they bank. No need to set up and link your bank account through another service. Fast Pay c
an do it all. Sign up for Fast Pay through Online Banking
If you’re already a Community Bank & Trust of Florida customer, be sure to take advantage of all of these features. If you haven’t opened up your account yet, stop by any of our branch locations in Ocala, Gainesville, Belleview, Summerfield and The Villages today.
Competitive Rates on Certificates of Deposit (CDs)
A certificate of deposit is a great choice if you don’t need access to your savings every day or if you’re saving toward a longer-term goal. We have terms ranging from 90 days to five years, and Community Bank & Trust of Florida has competitive rates in the Marion, Alachua and Sumter county areas. Not sure what savings options are right for you? We’re here to help. Visit any of our branch locations in Ocala, Belleview, Gainesville, Summerfield and The Villages. To help you decide which CD will best meet your needs, take our One-Minute Certificate of Deposit Test. Then request a CD quote from one of our Customer Services Representatives today at one of our convenient locations.
Compare Our Current CD Rates.
You’ll find that our certificate of deposit rates compare favorably to other local or national banks in the North Central Florida area. Have questions? Call us at 800-388-1007 or come into any of our branch locations.
Product NameMinimum Balance Required to Obtain the Advertised APY*Interest RateAnnual Percentage Yield (APY)
90 Day Certificate a$3,000.000.350.35%
180 Day Certificate a
$3,000.000.40%0.40%
1 Year Certificate a$3,000.000.50%0.50%
2 Year Certificate a$3,000.000.80%0.80%
28 Month Rate Protection CD a, b$25,000.000.85%0.85%
30 Mth. Certificate a$3,000.000.90%0.90%
3 Year Certificate a$3,000.001.24%1.25%
4 Year Certificate a$3,000.001.59%1.60%
5 Year Certificate a$3,000.001.98%2.00%
14 Month Certificate a$25,000.001.44%1.45%
21 Month Certificatea$25,000.001.69%1.70%
* APY = Annual Percentage Yield
a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields are current as of 03/22/2018.
In the market for a new car or house? Ready to make your boat or motor home dream come true? Or perhaps you need help paying for a major life event like a wedding, a child’s tuition, or a medical procedure. Whatever your purpose for initiating a loan, Community Bank & Trust of Florida can help you make it happen. Stop by your local branch in Gainesville, Ocala, The Villages, or elsewhere in North Central Florida to learn more about CBTFL’s personal loan options. We work with you to create affordable loans at great rates.
>> Installment Loans
This is a personal loan with a fixed number of monthly payments. Unlike a credit card, the interest rate and other terms, including the payment amount, are set before the loan begins. The predictability of an installment loan makes it easy to include in a budget. Personal installment loans can be used for a many purposes such as covering an expensive medical bill, consolidating higher interest debt, moving costs, and other life events that are both planned and unexpected.
>> Home Mortgage Loans
When you’re ready to buy your first home or your next one, CBTFL offers a variety of mortgage loans to fit your needs. We strive to deliver the best service and competitive rates to give you a personalized home buying experience that is never stressful or confusing. Learn more about fixed rate, adjustable rate, and refinance mortgages. It’s fast and easy to apply online and start the pre-qualifying process today.
>> Home Equity Loans and Lines of Credit (HELOC)
Homeowners who have accumulated equity can use it to pay for home-related expenses such as renovations and repairs. Some people like to open a HELOC just so it’s there if or when they need to use it. In addition to house projects, some people use these types of loans to pay for other large expenses, such as college tuition, medical care, and other big life events.
>> Car Loans
Finance your next car purchase through CBTFL. We offer competitive rates and terms on new auto loans and the refinancing of existing loans.
>> Boat Loans
Let CBTFL help you turn your vision of boat ownership into reality. With flexible terms and competitive rates, we can work with you to provide financing for a wide range of boat types and prices.
Get the Personal Loan You Need Today
Somewhere between the events we plan for and the things we never expected, life happens. Instead of turning to a national personal loan company or lender, look to your community bank for friendly service and personalized solutions to your financial needs. Connect with us to speak to a local lender at any of our branches in Ocala, Belleview, Gainesville, and The Villages, or call 888-388-1007. All loans subject to approval.
Hear From Our Customers
Apply Online For a Personal Loan
Fill out an application. It’s secure, quick and easy, and available 24/7.
How many purchases in life are more important than buying your own home? When it comes to such a big and personal decision, put your trust in the friendly mortgage lending team at your community bank. For two decades and counting, CBTFL has provided high quality financial products and personalized customer service to the people and businesses of Gainesville, Ocala, The Villages, and other North Central Florida communities.
How is working with a local lender different from national mortgage lenders? CBTFL is a Bauer Financial 5 Star Rated bank with expertise in local real estate markets. Our employees live and work in the same communities as you, so we have a nuanced understanding of what makes each neighborhood different and special in its own right.
As a locally-owned bank, CBTFL makes all lending decisions locally. We also offer competitive mortgage rates and the convenience of applying for your mortgage online. Of course, you can still visit your local CBTFL branch to complete an application in person if you prefer. Our friendly and professional customer service associates are ready to guide you through the home loan application process and answer any questions you have.
Find the best mortgage home loan product for you!
CBTFL is proud to offer a full range of home loans including government-backed mortgage loans from the FHA, VA, and USDA. Whether you want to buy your first or next home, finance the construction of a new home, or refinance an existing loan, we have something for every situation. Learn about your mortgage loan options to find one that best meets your needs.
- Fixed-Rate Loans: This is the most popular type of mortgage loan. With a fixed inter
est rate, you’ll make the same monthly payment over the life of the loan. (Fluctuation in your monthly payment may occur due to changes in your property taxes, insurance premiums, or HOA/Condo fees.) - Adjustable Rate Mortgages (ARM): These home loans generally have an introductory fixed-rate period, after which the interest rate will change at predetermined times. When the interest rate on an ARM is subject to fluctuation, it can move up or down depending on the rate index your loan follows plus the margin specified in your mortgage documents. ARMs are also subject to limitations on periodic rate changes as well as lifetime caps on rate increases.
- Jumbo Loans: In Florida, any mortgage loan exceeding $453,100 will require a jumbo mortgage. The main differences between applying for a jumbo loan instead of a conforming mortgage include the number of appraisals required, minimum down payment, and personal financial requirements involving credit score, debt-to-income ratio, and available savings.
- Lot Loans: Often, the dream of buying a home starts with the thought of where to live. Sometimes the ideal house can’t be found—but a lot to build on is available, and it’s exactly where you want to start your new life. Community Bank & Trust of Florida can help you reach your dream of homeownership with a land loan. This is a short-term loan to help you purchase land to build your dream home on in the future
- Government-Guaranteed Mortgage Loans: CBTFL is a participating lender in government programs such as first-time homebuyers, veterans, or people living in rural areas, purchase homes. Contact us to learn more about your eligibility for an FHA, VA, or USDA loan.
Contact our mortgage lending team today!
Choosing the right mortgage product can be just as personal as selecting a home. A variety of factors will affect your decision, such as the length of time you plan to live in your house, when you expect to retire, how much of a down payment you have, and the range of monthly payments you can afford. Our friendly and experienced mortgage lenders can help you assess the options in order to make a decision that’s right for you.
Ready to check our current mortgage rates or start the application process? You can easily do so by applying online or in person at a local CBTFL branch location.