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If there’s one thing we can be sure of in life, it’s change—and change that will undoubtedly affect your financial status. Over time, our lives evolve into different stages with varying levels of monetary demand and often with unexpected twists and turns that can derail the best of financial intentions. Alternatively, events may occur that enhance our financial position, and these need to be handled with knowledge and care, making the most of our long-term worth.

Central Bank understands the special considerations that need to be addressed throughout the different stages of our lives. Wherever you are on life’s journey— preparing for college, starting a career, raising a family or planning for retirement— we have the experience, personnel and products to guide you towards the attainment of your financial dreams and goals.

To take advantage of our specific products and programs, click below on the stage that’s right for you, and see how we can help you strengthen your financial position.



Financial guidance for maturing adults without children

Maximizing your paycheck in your 30s and 40s is a priority during this time when your income tends to rise. You may have discretionary income for travel and hobbies, and the challenge is to find the right balance between spending and saving. The financial decisions you make now will have the greatest impact on the lifestyle you will enjoy during retirement. It’s important to note that people are retiring earlier and living longer, and you may need more money in the future than you think.

Central Bank can help you stay on track with your long term financial goals.

1. Shop for the best mortgage and consumer loans – Seeking the best mortgage or consumer loan by shopping, comparing and negotiating may save you thousands of dollars.
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A mortgage—whether for a home purchase, refinancing or a home equity loan—is a product, just like a car, so terms may be negotiable. You’ll want to compare all the costs involved in obtaining a mortgage including interest rates, points, fees and down payment and private mortgage insurance requirements. Home equity loans and lines of credit can be helpful when extra cash is needed to reduce significant credit card debt—but be cautious about re-building credit card debt once it is paid.

With competitive rates, experienced lending professionals and local decision-making, you’ll be sure to find a loan at Central Bank that meets your needs. To apply for a mortgage or consumer loan now, click on the links below, or stop by and talk with one of our lending officers.

2. Understand your credit report – Your financial behavior over the past seven years, including how much credit you have, how long you've had it and whether you pay your bills on time is information included in your credit report.
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Three credit reporting agencies — Equifax, TransUnion and Experian — maintain these reports, and lenders buy them to help them decide whether to offer you a prequalification. Your credit report also carries your credit score ranked between 300 and 850 that many lenders use to decide whether you are creditworthy and will repay a loan. Your credit score can also influence the interest rate you pay. In many cases, the higher your score, the lower your interest rate.

Each agency allows consumers one free credit report a year. It is a good idea to check your credit report three times a year using a different agency each time. If you have any questions, you may call and speak with someone in the loan department. Contact us.

3. Rent a Safe Deposit Box – This a convenient place to store important items that would be difficult or impossible to replace.
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Central Bank’s safe deposit boxes offer privacy and in most cases, greater security than keeping your valuables and important documents elsewhere. Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's safe deposit box instead of at home. Come by and see one of our Customer Service Representatives for help and details.
4. Conserve time, money and paper with Central Bank’s convenient checking accounts with online banking and bill pay and no-charge ATM services – You’ll reduce the time it takes to pay your bills and save on the expense of printed paper checks and postage while helping the environment as well.
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At Central Bank we are pleased to offer our checking account customers a special overdraft privilege called “Bounce Protection” (a $400 safety net just in case you need it). As always, we encourage you to manage your finances responsibly. However, as long as you maintain your checking account in good standing, Bounce Protection provides you with a safety net (a $22 per item overdraft fee applies). See Overdraft Protection for details.

Central Bank Offers:

Complimentary Checking – No monthly fee, no minimum balance required, free ATM/Debit Card, online banking and more. $100 minimum to open this account.

Beyond Checking – For $9 per month, you get unlimited checks, a $10,000 Life Insurance plan, as well as access to outstanding travel, vacation, medical, and shopping deals.

NOW Account – Interest bearing checking account with minimum to open $1000 ($8 monthly fee includes all the services of Performance Checking listed above). $12.50 monthly service charge if balance falls below $1000.

Golden NOW Account (for those age 50 and above). Interest bearing checking account with minimum to open $1000 ($5 monthly fee includes all the services of performance checking listed above). $12.50 monthly service charge if balance falls below $1000.

Priority Money Market – Interest bearing LIMITED checking account with minimum to open $5,000. Limited to six withdrawals per month in the form of checks and/or cash withdrawals (no more than 15 per quarter). For complete rules, please call a customer service representative.

5. Save for Retirement – Many people underestimate the amount of money they’ll need in retirement.
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Be realistic about major expenditures, e.g., will your mortgage be paid off by retirement? If so, you may need less income than you do now. Do you plan to buy a vacation home or travel extensively? Will you have to pay for your own health insurance? These and other financial considerations all come into play.

Traditional IRA – Tax deductible contributions to a traditional IRA can help you build long term wealth and help you reach your retirement goals. Call our IRA specialist, Danny, today for more information.

Roth IRA – Contributions to this type of retirement account are not tax deductible, however, when you retire, distributions are tax free. For more details call our IRA specialist, Danny.

A visit with your tax professional may also help you decide which IRA product would be most suitable for your current financial situation.

Central Bank Investment Services – 
See "Investment Services" tab for more investment information.


  • Understand what your credit report score means and take a pro-active
    role in monitoring it.
  • Resist the urge to cut back on savings to meet rising expenses or accommodate other goals.
  • Make sure your mortgage payment, including taxes and insurance, represents no more than 20 percent of your gross monthly income.
  • Spend less than you earn—it’s the simplest way to stay free from all-consuming debt.

For help determining the best accounts and products for sound and productive money management during your Career-Focused Lifestage, please contact us at 731-925-9046 or