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Personal Savings

Personal Savings Accounts

Personal Savings Account
This account is the simplest way to start saving and an easy way to earn interest.
Personal Savings Details

Moolah Moose Club
We pay for excellent grades! Check out the advantages of our kid's club savings account.
Moolah Moose Club Details
Christmas Club
Save year round for your holiday expenses with a Christmas Club account.
Christmas Club Details
Vacation Club
An easy way to save for your next dream vacation!
Vacation Club Details
Certificate of Deposit
A CD allows a customer to earn a high rate of interest while maintaining control over liquidity and interest distributions.
CD Details
Personal Money Market
Citizens Money Market Fund is a limited transaction, high interest account.
Personal Money Market Details
Citizens Gold Money Market
For those who maintain a higher balance in their Money Market Account and do not need access to the funds on a regular basis, this high yield Money Market is just for YOU!
Citizens Gold Details
Traditional IRA
Individual Retirement Accounts (IRA) are tax deferred interest-bearing accounts available to anyone with earned income to set aside for retirement.*
Traditional IRA Details
Roth IRA
The Roth IRA is a non-tax deferred account that features tax free withdrawals on all personal contributions at any time.
Roth IRA Details

Health Savings Account
If you have a high deductible health care plan, use this account to save money and pay for medical expenses. 
HSA Details
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We offer quick responses to all credit applications with a wide variety of terms and rates to meet the needs of our customers.