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!

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Savings Solutions

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 fee
  • Earn tiered interest rates based on balance

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Savings Account

A basic flexible account for accumulating cash for any of your lifestyle needs!

  • Competitive interest
  • $100 investment to open and to avoid a monthly maintenance fee
  • ATM access and up to 15 free withdrawals per quarter (regular statement period)
  • Open Today!

SAVE SMART Savings Account

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.

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 per quarter (regular statement period)

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
  • Up to 15 free withdrawals per quarter (regular statement period)
  • Learn valuable money management skills and be rewarded for saving!

Certificate of Deposit (CDs)

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

 

Traditional and Roth IRAs (Individual Retirement Accounts)

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
  • Tax deferred savings with as little as $250 to open a 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

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