There aren’t many guarantees in life, but a certificate of deposit is one of them. 




Key Features

  • Guaranteed Earnings
  • Wide Range of Terms
  • No Setup or Maintenance Fees
  • Guaranteed earnings
  • Fixed rates, higher than regular savings
    • Receive higher rates by selecting a longer term
  • Provides more guarantee than other, riskier investments
  • Set aside for future savings goals
  • A wide range of terms available (from 91 days to 6 years)
  • Early withdrawals subject to penalty*
    • *Early withdrawal penalties:
      Term of 1 year or less - 3 month’s interest
      Terms of 1 year to 5 years - 6 month’s interest
      Term over 5 years - 1 year interest
  • Renews automatically upon maturity after 6-day grace period
  • $1,000 minimum deposit to open

You can also make the switch to Citizens Savings Bank today with our handy switch kit (PDF).

*Annual percentage yield is accurate as of 12/12/2022. Eligible on personal accounts only. A penalty may be imposed for early withdrawal and fees may reduce earnings on certificate of deposit account. Offer may change or discontinue at any time. Customers may contact a bank representative at 800.692.6279 for further information about applicable fees and terms.