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Savings, CDs & IRAs

Invest in your future.

From simple savings accounts to tax-advantaged IRAs, our deposit products are designed to help you meet your short- and long-term financial goals. With our online banking tools, you can watch your nest egg grow from anywhere, anytime. Our competitive interest rates keep your hard-earned money working hard for you, and our friendly team members are always ready to lend a hand.
 
Open an interest-earning account at Citizens Bank.
 





Certificates of Deposit (CDS)

CDs give you the opportunity to keep your cash safe from loss of principal in an FDIC-insured deposit product while earning a higher interest rate. Click here for FDIC coverage calculator.  We offer flexible terms and low minimum deposits.
 
Check out our competitive rates here.


Citizens Preferred Money Fund

Earn more when you save more. Citizens Bank’s personal money market accounts give you access to a competitive interest rate structure while still giving you 24/7 access to your funds.

Account Details

 EZ Savings

Citizens Bank makes it easy to set aside cash for major purchases or unexpected expenses. Our EZ Savings Account comes with several recurring transfer options that can help you reach your savings targets faster.

account details

Individual Retirement Accounts (IRAs)

  • Individual and Spousal IRAs
  • Flexible terms
  • Traditional IRAs
  • Roth IRAs
  • Education
  • Minimum opening deposit requirements apply
  • No set-up, maintenance or annual fee


intrafi Network Deposits

Access multimillion-dollar FDIC protection for your  hard-earned cash reserves.
 
Secure additional protection for funds placed in demand deposit accounts and money market deposit accounts through the IntraFi Network Deposits CD Option (formerly CDARS®) or the IntraFi Network Deposits DDA-MMA Option (formerly ICS®) – both offered at our bank.

View Account Terms
 
 





















Maximum Daily NSF Charge for Consumer Accounts $175.00















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Mortgages

The perfect home and our mortgage rates:

 

Warm, welcoming and just the right fit. Unlock your dream home with an affordable rate.