Today's Deposits. Tomorrow's Wealth

CDS AND RETIREMENT

SOUND INVESTING THAT MAKES YOUR FUTURE SOUND GREAT.

Staying in the black, can make your future look rosy.  The Citizens Bank offers IRA Roth accounts, CDs with a guaranteed rate of return, and our Health Savings account that prepares for a future with no guarantees.  You keep more of your taxable income working for you even after you stop working.  The future of your choice starts with the right choice of retirement savings.

CERTIFICATES OF DEPOSIT
CDs With Competitive Rates, Flexible Terms, For A Much More Flexible Future.

CDs are the perfect way to even out the volatility of a changing market. With a minimum deposit of $1,000.00, our CDs give you a guaranteed rate of return with maturities ranging from a number of days to several years.

Most CDs automatically renew for your safety and convenience and are covered by FDIC insurance. All CDs are subject to interest penalties for early withdrawal.

Stop by your local branch or call us to get the latest rates, and get more peace of mind from your investments.

INDIVIDUAL RETIREMENT ACCOUNTS
Money In Your Individual Retirement Accounts Puts The Future In Your Hands.

Choose the Traditional IRA or Roth IRA to develop your own blend of tax-deductible and nondeductible contributions and distributions. The Traditional IRA is an account which allows you to defer taxes on your earnings until they are withdrawn. Also, certain contributions are tax deductible in the tax year for which they are made.

The Roth IRA is a nondeductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, people who expect to be in a higher tax bracket when they retire may benefit more from these accounts than from a traditional IRA. See any of our IRA representatives for more information.

HEALTH SAVINGS ACCOUNT
A Cure For The Headache Of Rising Healthcare Costs.

The Health Savings Account is to be used in conjunction with a qualified “high deductible health plan.” A Health Savings Account (HSA) is an account that you can put money into to save for future medical expenses. There are certain advantages to putting money into these accounts, including favorable tax treatment.

Contributions to your HSA can be made by you, your employer, or both. However, the total contributions are limited annually. For additional information about these accounts, please call or visit your nearest Citizens Bank location.

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