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Local Savings Account

• Minimum deposit to open - $100
• $5 monthly service fee
• $100 minimum daily balance to avoid monthly fee
• $2 per withdrawal over 6
• Interest compounded and paid monthly
• Free monthly paper statements

Local Money Market Account

• Minimum deposit to open - $100
• $12 monthly service fee
• $2,500 minimum daily balance to avoid monthly fee
• $10 per withdrawal, check, or debit over 6
• Interest compounded and paid monthly
• Free paper statements

Certificates of Deposit (CD)

• Open with as little as $1,000.
• Flexible maturities from 6 months to 60 months
• Interest rate will not change throughout the term for fixed rate certificates
• Automatic renewal at maturity unless you withdraw your money within the grace period.
• Early withdrawal penalties will apply.

Individual Retirement Accounts (IRA)

Citizens' Bank Fixed-Rate IRA CDs

An IRA is a retirement plan designed for use in those later years when you want to enjoy the quality of life you worked so hard to achieve. IRAs can save tax dollars now and earn tax deferred interest for more retirement dollars later. We offer terms of 6 months through 60 months. Additional deposits are allowed during the term, subject to IRS limits. Rollovers and Direct Transfers are accepted from Qualified Retirement 401-K's and other IRA funds.

Citizens' Bank Variable-Rate IRAs

The interest rate associated with the Citizens' Bank Variable-rate IRA varies throughout the life of the account based on fluctuations in the Treasury Bill rates. Variable rate IRAs are available in a 60 month term only. Additional deposits are allowed during the term, subject to IRS limits. Rollovers and Direct Transfers are accepted from Qualified Retirement 401-K's and other IRA funds.

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