There aren’t many guarantees in life, but a certificate of deposit is one of them. Earn a fixed rate for the term you choose.



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*
  • 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).

*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