Personal Savings

Personal Savings Accounts

Personal Savings Account

This account is the simplest way to start saving and an easy way to earn interest.

Moolah Moose Club

We pay for excellent grades! Check out the advantages of our kid's club savings account.

Christmas Club

Save year round for your holiday expenses with a Christmas Club account.

Vacation Club

An easy way to save for your next dream vacation!

Certificate of Deposit

A CD allows a customer to earn a high rate of interest while maintaining control over liquidity and interest distributions.

Personal Money Market

Citizens Money Market Fund is a limited transaction, high interest account.

Citizens Gold Money Market

For those who maintain a higher balance in their Money Market Account and do not need access to the funds on a regular basis, this high yield Money Market is just for YOU!

Traditional IRA

Individual Retirement Accounts (IRA) are tax deferred interest-bearing accounts available to anyone with earned income to set aside for retirement.*

Roth IRA

The Roth IRA is a non-tax deferred account that features tax free withdrawals on all personal contributions at any time.

Health Savings Account

If you have a high deductible health care plan, use this account to save money and pay for medical expenses.

Drive away with a competitive rate.

We offer quick responses to all credit applications with a wide variety of terms and rates to meet the needs of our customers.

Explore Auto Loans

The rate of interest is tied to current Money Market rates and is subject to change monthly. By maintaining a higher balance, you can earn a higher interest rate. Interest on the Money Market Fund is compounded daily, determined by the daily ending balance and added to the balance at the end of the month. The Personal Money Market account has two rate structures: $500 $49,999 and $50,000 over.

Citizens Gold Money Market

If balance falls below minimum, interest is lost only on the days the balance is below the minimum.

Minimum balance of $25,000 required.
One (1) internal withdrawal or transfer per month allowed.
Additional transfers are a $10 fee.
Checks are not provided.
Interest rate is subject to change monthly.

Roth IRA

If you meet certain requirements, including a five year holding period, all earnings are also tax free when you or your beneficiary make withdrawals. Remember that with a Roth IRA you are not required to take a minimum distribution, unlike a Traditional IRA.

Furthermore, since Roth IRA contributions are taxed in the year they are earned, people who expect to be in a higher tax bracket when they retire may benefit more from these accounts than from a Traditional IRA. Please contact your tax advisor for specific information to determine your eligibility for a Traditional or Roth IRA contribution or withdrawal.

This plan is on a 24 month maturity and can be fixed or variable rate.
The fixed rate plan minimum deposit is $2,000, whereas the variable rate plan minimum deposit is $40.
Eligibility is open to individuals who earned salaries or wages.
Distribution can be made at 59 1/2 without penalty.

* Certain restrictions and contribution limits apply. Consult a tax advisor regarding eligibility.

For our CD and IRA minimum deposit requirements and early withdrawal penalties, view our disclosure.

Must have coverage under HSA-qualified high deductible health plan (HDHP). Cannot have any other first dollar medical coverage, be enrolled in medicare or be claimed as a dependent on someone elses tax return. Pay future medical expenses from this account.

No Minimum Balance
Interest earning account with balance above $500
Free ATM/Debit Card
Instant Issue ATM/Debit Card with Fee
Tax free withdrawals for qualified medical expenses
Contribution limits apply
Pre-tax contributions
Free Online & Mobile Banking with Bill Payment
Free Mobile Deposit
E-Statement Available