PERSONAL SAVINGS

Solid Gold Savings turns every deposit into a wise investment. With a minimum opening balance of $100.00, your Solid Gold Savings account starts earning interest that is accrued daily and compounded quarterly.

A $5.00 quarterly service charge will be assessed should the balance fall below $100.00, and a $5.00 service charge per transaction applied to withdrawals or transfers over three per quarter. If the account is closed within 59 days of opening a premature closure fee will be added. Interest will not be forfeited if the account is closed before the accrued interest is credited.

With no minimum deposit and no monthly service charge, Kids Club Savings makes it easy to open an account that opens your child’s eyes to the magic of compound interest. Interest is accrued daily and compounded quarterly, with a $5.00 service charge per transaction applied to withdrawals or transfers over three per quarter. Interest on this account is only earned on a daily balance equal to or exceeding $100.

No minimum deposit and no monthly service charge, makes it easy to pick up an old school habit that is best started young. Interest on your balance is accrued daily and compounded quarterly with a $5.00 service charge per transaction applied to withdrawals or transfers over three per quarter. Interest on this account is only earned on a daily balance equal to or exceeding $100.

By saving regularly in a Christmas Club account you will know that the money for next year’s holiday travel, festivities and gift giving will be there. Small amounts saved on a regular basis add up to a sizable sum. Just choose the amount you would like to save each week and watch it grow in time for the holiday season.

You can choose weekly or monthly lump sum payments in the amounts of $5.00, $10.00, $15.00, $20.00, $25.00 or $50.00. At the end of 50 weeks, if all payments have been made you will receive a bonus payment equal to the amount of one weekly payment.

To receive the bonus you must make all payments prior to the end of the 50th week and money must remain on deposit until the Christmas Club funds are deposited to your account (mid-November).

Christmas Clubs will automatically transfer from your checking account. Customers are allowed to sign up for Automatic Funds Transfer through December 31st of each year.

Your currently weekly payment will be imposed if all 50 payments are not made by the maturity date or if the account is closed prior to the maturity date.

By saving regularly in a Vacation Club Account you will know that the money for next year’s summer getaway will be there. Small amounts saved on a regular basis add up to a sizable sum. Just choose the amount you would like to save each week and watch it grow just in time for summer.

You can choose weekly or monthly lump sum payments in the amounts of $5.00, $10.00, $15.00, $20.00, $25.00 or $50.00. At the end of 50 weeks, if all payments have been made you will receive a bonus payment equal to the amount of one weekly payment.

To receive the bonus you must make all payments prior to the end of the 50th week and money must remain on deposit until the Vacation Club funds are deposited to your account within 7 to 10 days after the 50th week.

Vacation Clubs will automatically transfer from your checking account. Customers are allowed to sign up for Automatic Funds Transfer through July 31st each year.

Your currently weekly payment will be imposed if all 50 payments are not made by the maturity date or if the account is closed prior to the maturity date.

With our Cash Stash Savings account we will round up each debit card purchase you make to the nearest dollar and transfer the difference from your checking account to your Cash Stash Savings Account. Minimum balance to open is $25.00. Your Cash Stash account starts earning interest that is accrued daily and compounded quarterly with a $5.00 service charge per transaction applied to withdrawals or transfers over three per quarter. If the balance drops below $25.00 a fee of $5.00 will be applied.

We will even match your round-up savings by 10% when the point of sale transaction is processed as a credit! Matched funds are credited to your account on the first of each new quarter.

Contact your local branch or call us to find out more about the latest enhancements made to Cash Stash, current rates and fees and see how small change can make a big change in your savings account balance.

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It’s in our nature to invest in our children, so their hopes and aspirations never stop growing. But we know that as children grow up, so do their financial needs. That’s why we invest the first $100 for your infant from newborn to 6 months.

With a minimum opening balance of $100.00, your Sprout account starts earning interest that is accrued daily and compounded monthly with a $5.00 service charge per transaction applied to withdrawals or transfers over one per month.

A minimum balance fee of $5.00 will be imposed every month if the daily balance of the account falls below $100 on any day of the month. If the account is closed within 365 days of the opening date a closing fee of a $100 will apply.

The Citizens Bank may request a copy of birth certificate for age verification.

Start a Sprout savings plan now for your newborn and when you open the account that helps you sleep better.

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For many college students, they don’t just have a major. They have a passion. That’s why we bring more to college savings, because students that expect more from life, give more to our communities.To help you save for the growing cost of college for your children, we created College Bonus Savings which gives you a bonus of $1,000 plus interest when your child turns 18 as long as you open the account by your child’s 10th birthday and save the minimum monthly amount each year.

If the College Bonus Savings account is opened between the ages of 0 to 5, the minimum opening deposit is $25.00 and the minimum monthly contribution until their 18th birthday is $25.00.

If the account is opened between the ages of 5 to 10 years, the minimum opening deposit is $500.00 and the minimum monthly contribution until their 18th birthday is $50.00.

You are allowed to miss one deposit per year and convenient transfers from your checking or savings account to your College Bonus Savings account(s) can be set up to ensure regular, automatic deposits so you won’t lose your bonus. A $5.00 service charge per transaction will be applied to withdrawals or transfers over one per month. If the account is closed within 59 days of the opening date a closing fee of a $10 will apply.

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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.

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