Personal Savings / Investments

Financial Planning with a Personal Touch

We know you need savings plan options, and that's why we offer a wide variety of accounts. If you're not sure what is best for you, we'll be glad to help you with sound advice and all the current information you need to select or design a savings and/or investment plan.

Our Personal Savings Options:

Citizens Secure Savings

Our basic account.

  • Pays interest (see your Citizens service representative for current rates)
  • No monthly fee for customers 18 years or younger
  • Minimum opening deposit of $100 (includes $2 fee per withdrawal in excess of 2 per month and monthly fee of $3 if daily balance drops below $100)

Citizens Money Market

Earn interest and enjoy easy access to your funds.

  • Pays interest based on the following daily collected balance tiers: (see your Citizens service representative for current rates)
    • $0 – $4,999
    • $5,000 – $9,999
    • $10,000 – $19,999
    • $20,000 – $49,999
    • $50,000 – $99,999
    • $100,000+
  • Unlimited in person and ATM withdrawals
  • Minimum opening deposit of $2,500 — Includes limit of 6 withdrawals per statement and no more than 3 by check. Excessive withdrawal fee of $10 per item over regulatory limit.
  • Monthly fee of $10 if minimum daily balance drops below $2,500

Citizens Certificates of Deposit/Time Deposits

Our highest interest-paying savings option.

  • 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.

IRAs

A smart savings choice with tax advantages.

  • Traditional IRAs (up-front tax advantages)
  • Roth IRAs (tax-free savings)
  • Simplified Employee Pensions for the self-employed

Citizens also offers U.S. Savings Bonds and Treasury Bills. Ask your Citizens service representative for all the details and current rates.

Ask your Citizens service representative about Direct Deposit.