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Personal Savings Accounts

Explore our various savings accounts and select the one that's right for you. When you are ready to open an account please visit one of our convenient locations.

Statement Savings

This basic savings account option from Citizens Bank exceeds expectations by giving you access to Online Banking and competitive interest. You can open your account today and start building your savings.

  • Interest rate - variable
  • Minimum deposit - $100.00
  • No service charge with balance of at least $100.00
  • Service charge - $1 per statement (When balance falls below $100.00)
  • Automatic transfer service from other Citizens Bank account

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Lil' Citizens Savings
Set your children or grandchildren on the right path to a lifetime of financial responsibility. Help them begin to learn how to manage their money with the Lil' Citizens Savings. Murry the Save-A-Saurus is here to help children have fun learning and saving their money.
  • Ages 12 and under
  • Child receives a Murry the Save-A-Saurus t-shirt when opening an account
  • Any deposit amount during birthday month earns a choice of prize
  • $10 minimum balance
  • Interest earning account (Minimum balance of $100 to obtain APY)
  • Unlimited deposits

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Certificate of Deposit
Whether it's short-term growth or long-range investments you're after, we can fit your goals.

Interest Earned:

  • You lock in interest rates for a specific amount of time (called a term).
  • You agree to keep your money deposited for the agreed upon term. For example, if you deposit $5,000 in a five-year CD, you can't withdraw the money before the five years are up, without paying a penalty called an early withdrawal fee.
  • You can have your interest reinvested, paid to you by check, or transferred to your Citizens Bank checking or savings account.

A Certificate of Deposit with Citizens Bank gives you the combined security of  FDIC Insurance and greater earnings potential. 

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Performance Money Market Savings
A tiered money market investment account that earns interest at the prevailing rate adjusted on a weekly basis.
  • Opening deposit - $100.00
  • Free Image Checking
  • Tiered interest rates for higher returns
  • Free ATM access with no network charges at any Citizens Bank ATM
  • Ready access to funds by check or over-the-counter withdrawal and other pre-authorized transactions
  • Limited by Federal Law to 6 pre-authorized transactions per month (check, wire, or ACH transfers) and only 3 may be payable to a third party. Additional withdrawals are $10.00. Excessive withdrawals may require that the account be closed.

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Whatever your retirement goals and needs:
  • You're looking for a Traditional, Roth or Educational IRA
  • You have funds from a previousemployer's retirement plan that youwant to roll into an IRA
  • Or, you have funds from several IRA's that you want to consolidate.

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Christmas Club Savings
This account allows you to save for Christmas shopping throughout the year. Deposit money each payday or as often as you wish. You choose the amount and the frequency.
  • Receive a check in Sekptember just in time for the shopping season
  • Earns interest all year long
  • Automatically deposit from your checking accounts