Citizens Bank & Trust

CDs

Citizens Certificates of Deposit/Time Deposits

Interest is compounded and credited quarterly and at maturity or paid monthly by check or direct deposit
(see your Citizens service representative for current rates)
Minimum opening deposit of $500 - Substantial penalty will apply for early withdrawal. Account automatically renews at maturity.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000.00 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest On Lawyer’s Trust Accounts (IOLTAs). It does not include other accounts such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.