Today's Deposits. Tomorrow's Wealth



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.

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.

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 The Traditional IRA is an account which allows you to defer taxes on your earnings until they are withdrawn.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.

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.

Because Yes Is A Beautiful Word.

Say yes to a Credit Boost CD and you’ll hear it more often. After all, a credit score is one of the important determining factors when it comes to borrowing money – and getting a low rate when you do. The higher the number, the lower the risk. That means consumers with higher scores are more likely to get approved for credit, and to get the best interest rates when they do. And they are more likely to get discounts on insurance and look good to employers.

When you come in to apply, we will review your credit report together and discuss your credit goals with you. Whether you’re wondering how to establish credit or you’d like to improve your existing score, a Credit Boost CD is a great way to begin. It is a personal loan backed by a Certificate of Deposit that is designed to help you establish a good payment history, an important step in building a higher credit score. You make regular monthly on-time payments over time. At the end of the term, after you’ve made all your payments, you get the money in the CD or keep it invested. And you should see an improved credit score (based on your payment history).

If you have no credit or need to rebuild your credit, our new Credit Boost CD is perfect for you. Give yourself credit and what you own is the future. Contact your local branch to apply today and you can start hearing the one word that makes the future sound great.



The Citizens Bank

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