Stacks of coins with plants on them
The Citizens Bank offers a variety of secure Certificates of Deposit accounts to fit your individual needs. Certificates of Deposit are offered in terms from 3 months to 5 years. Our CDs earn competitive interest rates and are FDIC insured. Contact The Citizens Bank for current rate information.
Rates are Effective thru May 24th, 2022
* – Interest compounded quarterly
Accounts | Minimum Deposit | Maximum Deposit | Annual Percentage Yield | Interest Rate |
---|---|---|---|---|
Accounts 91 Day CD | Minimum Deposit $2,500.00 | Maximum Deposit | Annual Percentage Yield 0.10% | Interest Rate 0.10% |
Accounts 182 Day CD | Minimum Deposit $2,500.00 | Maximum Deposit | Annual Percentage Yield 0.20% | Interest Rate 0.20% |
Accounts 12 Month CD* | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 0.25% | Interest Rate 0.25% |
Accounts 18 Month CD* | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 0.30% | Interest Rate 0.30% |
Accounts 24 Month CD | Minimum Deposit $5000.00 | Annual Percentage Yield 0.35% | Interest Rate 0.35% | |
Accounts 30 Month CD* | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 0.40% | Interest Rate 0.40% |
Accounts 36 Month CD* | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 0.45% | Interest Rate 0.45% |
Accounts 60 Month CD* | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 0.50% | Interest Rate 0.50% |
Accounts Citizens Choice 36 Month CD | Minimum Deposit $5,000.00 | Maximum Deposit | Annual Percentage Yield 0.45% | Interest Rate 0.45% |
Accounts Citizens Choice 60 Month CD | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 0.50% | Interest Rate 0.50% |
Account | Minimum Deposit | Maximum Deposit | Annual Percentage Yield | Interest Rate |
---|---|---|---|---|
Account 12 Month Dollars for A's CD | Minimum Deposit $50.00 | Maximum Deposit | Annual Percentage Yield 0.25% | Interest Rate 0.25% |
Traditional IRA
If you qualify, you may contribute up to 100% of your earned income or $6,000.00 whichever is less. If you over 50 years of age you may contribute up to $7,000.00 All earnings may be tax deferred until you make withdrawals.
Roth IRA
If you qualify you may contribute up to 100% of your earned income or $6,000 whichever is less. If you are over 50 years of age, you may contribute up to $7,000. In order for earnings to be tax free, you must first meet a five-year holding period. After that, any earnings you withdraw for a qualified distribution reason are income tax free and penalty tax free.
Accounts | Minimum Deposit | Maximum Deposit | Annual Percentage Yield | Interest Rate |
---|---|---|---|---|
Accounts 91 Day IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 0.10% | Interest Rate 0.10% |
Accounts 182 Day IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 0.20% | Interest Rate 0.20% |
Accounts 12 Month IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 0.25% | Interest Rate 0.25% |
Accounts 18 Month IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 0.30% | Interest Rate 0.30% |
Accounts 30 Month IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 0.40% | Interest Rate 0.40% |
Accounts 36 Month IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 0.45% | Interest Rate 0.45% |
Accounts 60 Month IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 0.50% | Interest Rate 0.50% |