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Personal Savings

Save for the NOW at Citizens!

Your lifestyle demands financial options. Choose a basic savings account for emergencies, a money market to earn more as you save more, or a long-term savings to prepare for your future! Citizens offers all this and more!
 

Statement Savings

A basic flexible account for accumulating cash for any of your lifestyle needs!
  • $100 investment to open and to avoid a quarterly maintenance charge
  • ATM access and up to 15 free withdrawals, transfers or payments per quarter (regular statement period)
  • Competitive rates

Citizens Money
Market Account

With 5 interest tiers, the more you invest, the more you’ll earn!
  • Interest paid on entire balance
  • $1,000 investment to open and to avoid a monthly maintenance charge
  • Earn tiered interest rates based on balance

Certificate of Deposit (CDs)

Earn maximum rates with great term options to make the most of your investment and prepare for the future!

Dollar Dog Kids
Club Account

Teach kids 12 and under to save and manage money in an account designed especially for them!
  • Interest paid on entire balance
    $10 investment to open
  • Learn valuable money management skills and be rewarded for saving!

Student Savings Account

A perfect account to reinforce great savings habits for students between the ages of 13 – 18!
  • Interest paid with a minimum daily balance of $25 or more
  • $10 investment to open
  • Up to 15 free withdrawals, transfers or payments per quarter (regular statement period)

Save Smart

Set a goal and start your contributions to reach it!
  • Four reasons to save: Tax Freedom, Summer Fun, Back to School, and Happy Holidays
  • $5 investment to open
  • Set up automatic incoming transfers online or through your local banking center
  • Designated payout dates for each SAVE SMART account. Early withdrawals may incur fees.

IRAs

Save for your future today with one of Citizens many retirement account options! Please consult a tax advisor for more information.
  • Traditional IRAs offer a tax deduction, if eligible
  • Possible tax free distributions with a Roth IRA
  • As little as $250 to open a 24-month variable rate IRA CD

Coverdell Education Savings Account (CESA)

Experience a tax deferred way to start planning for college with Citizens’ Coverdell Education Savings Accounts! Please consult a tax advisor for more information.
  • Qualified distributions are tax free
  • Tax deferred savings for college expenses
  • If funds are not used, they can be transferred to a qualified family member