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Certificates of Deposit (CDs)

Take uncertainty out of investing. With a CD from Citizens Savings Bank, your investment receives a guaranteed rate of return above standard savings. Rates increase with the length of your term, so the longer you wait, the more you will earn. Make a safe bet on your financial success — lock in your rate today!

See Rates


  • Fixed rates, higher than regular savings
    • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available — from 91 days to six (6) years
  • Early withdrawals subject to penalty*
  • Renews automatically upon maturity after 6-day grace period
  • $1,000 minimum deposit to open

*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

A little now...a lot later!