Saving for Retirement

Your family and your future are worth preparing for.

Invest in your child’s education, start a new retirement account or supplement your workplace plan with a variety of account options. Citizens Bank & Trust is here to assist you with an account that will meet your financial goals.
Use our financial calculators to see how you can be prepared.

Certificate of Deposit (CDs)

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


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