Want to save for that vacation, new car or other goal?
Open a savings account with an automatic savings option to get started!

  • Minimum opening deposit — $100
  • Interest compounded quarterly and paid quarterly
  • $10 quarterly fee if balance falls below $100
  • Six withdrawals allowed per quarter; if withdrawals exceed six, $2 per withdrawal‡
  • Automatic Savings Options – just set it up and it happens!
    -Recurring transfer that enroll at account opening or anytime by stopping by an office near you.
    -Payroll direct deposit – have a portion of your paycheck automatically deposited to savings.
    -Recurring transfer that you control in Bank-By-Net online banking.

Does earning money with a competitive interest rate structure sound pleasing?
Our Citizens Preferred Money Fund account offers great rates while still allowing you to make withdrawals on those same funds!

  • Tiered Interest Rate Levels 
  • No Monthly Fee when maintaining a $2,500 Minimum Daily Balance or when maintaining a $3,500 average daily collected balance(A service charge fee of $15.00 will be imposed each monthly statement cycle if the minimum daily balance falls below $2,500.00 and the average daily collected balance falls below $3,500.00.) 
  • Six Withdrawals Allowed Per Month ($15 per withdrawal after six)‡ 

  • Individual and spousal IRAs
  • Flexible terms
  • Traditional
  • Roth 
  • Education
  • Money Market IRA - Interest rate tiers based on balance
  • Minimum opening deposit requirements apply
  • No set-up, maintenance or annual fee

‡Withdrawals are limited by regulation. Continued excessive withdrawals may result in conversion of the account to a non-interest bearing account.