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 February 13, 2019
* – 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 0.75% | Interest Rate 0.75% |
Accounts 182 Day CD | Minimum Deposit $2,500.00 | Maximum Deposit | Annual Percentage Yield 1.26% | Interest Rate 1.25% |
Accounts 12 Month CD* | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 1.81% | Interest Rate 1.80% |
Accounts 18 Month CD* | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 2.02% | Interest Rate 2.00% |
Accounts 24 Month CD* Special | Minimum Deposit $5000.00 | Annual Percentage Yield 3.09% | Interest Rate 3.05% | |
Accounts 30 Month CD* | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 2.07% | Interest Rate 2.05% |
Accounts 36 Month CD* | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 2.17% | Interest Rate 2.15% |
Accounts 60 Month CD* | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 3.29% | Interest Rate 3.25% |
Accounts Citizens Choice 36 Month CD | Minimum Deposit $5,000.00 | Maximum Deposit | Annual Percentage Yield 1.96% | Interest Rate 1.95% |
Accounts Citizens Choice 60 Month CD | Minimum Deposit $500.00 | Maximum Deposit | Annual Percentage Yield 2.52% | Interest Rate 2.50% |
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 1.81% | Interest Rate 1.80% |
Traditional IRA
If you qualify, you may contribute up to 100% of your earned income or $5,000.00 whichever is less. If you over 50 years of age you may contribute up to $6,000.00 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 $5,000 whichever is less. If you are over 50 years of age, you may contribute up to $6,000. 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 0.75% | Interest Rate 0.75% |
Accounts 182 Day IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 1.26% | Interest Rate 1.25% |
Accounts 12 Month IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 1.81% | Interest Rate 1.80% |
Accounts 18 Month IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 2.02% | Interest Rate 2.00% |
Accounts 30 Month IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 3.03% | Interest Rate 3.00% |
Accounts 36 Month IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 2.17% | Interest Rate 2.15% |
Accounts 60 Month IRA | Minimum Deposit N/A | Maximum Deposit N/A | Annual Percentage Yield 3.29% | Interest Rate 3.25% |