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Certificates of Deposit

Interest earning accounts with guaranteed fixed rates and a wide range of terms and payment options.

CD's combine benefits of both savings accounts and investment accounts, and are best for those who do not need to access their money right away.

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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Need more information?

Contact a Customer Service Representative at or call us at 270-465-8193. 

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