Save for the NOW at Citizens!
Your lifestyle demands financial options. Choose a basic savings account for emergencies, a money market to earn more as you save more, or a long-term savings to prepare for your future! Citizens offers all this and more!

Savings Solutions
- Citizens Money Market Account
- Savings Account
- SAVE SMART Savings Account
- Student Savings Account
- Dollar Dog Kids Club Account
- Certificate of Deposit
- Traditional and Roth IRAs
- Coverdell Education Savings Account
Citizens Money Market Account
With 5 interest tiers, the more you invest, the more you’ll earn!
- Interest paid on entire balance
- $1,000 investment to open and to avoid a monthly maintenance fee
- Earn tiered interest rates based on balance
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Savings Account
A basic flexible account for accumulating cash for any of your lifestyle needs!
- Interest paid on entire balance
- $100 investment to open and to avoid a monthly maintenance fee
- ATM access and up to 15 free withdrawals per quarter (regular statement period)
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SAVE SMART Savings Account
Set a goal and start your contributions to reach it!
- Four reasons to save: Tax Freedom, Summer Fun, Back to School, and Happy Holidays
- $5 investment to open
- Set up automatic incoming transfers online or through your local banking center
- Designated payout dates for each SAVE SMART account. Early withdrawals may incur fees.
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Student Savings Account
A perfect account to reinforce great savings habits for students between the ages of 13 – 18!
- Interest paid with a minimum daily balance of $25 or more
- $10 investment to open
- Up to 15 free withdrawals per quarter (regular statement period)
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Dollar Dog Kids Club Account
Teach kids 12 and under to save and manage money in an account designed especially for them!
- Interest paid on entire balance
- $10 investment to open
- Up to 15 free withdrawals per quarter (regular statement period)
- Learn valuable money management skills and be rewarded for saving!
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Certificate of Deposit (CDs)
Earn maximum rates with great term options to make the most of your investment and prepare for the future!
- Flexible terms
- Competitive rates
- $500 investment to open
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Traditional and Roth IRAs (Individual Retirement Accounts)
Save for your future today with one of Citizens many retirement account options! Please consult a tax advisor for more information.
- Traditional IRAs offer a tax deduction, if eligible
- Possible tax free distributions with a Roth IRA
- Tax deferred savings with as little as $250 to open a variable rate IRA CD
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Coverdell Education Savings Account (CESA)
Experience a tax deferred way to start planning for college with Citizens’ Coverdell Education Savings Accounts! Please consult a tax advisor for more information.
- Qualified distributions are tax free
- Tax deferred savings for college expenses
- If funds are not used, they can be transferred to a qualified family member