Personal Savings

See Rates

Statement Savings

  • Minimum to open and obtain the advertised APY* $20.00

  • Interest bearing account

  • ATM access (fees are charged when using any machine other than Citizens Federal’s)

  • Monthly statement

School Savings Accounts

  • School Savings Accounts are available to any student K-12.  These beginner accounts are used to teach the students the basics of banking.  Citizens Federal will give the student the first $1.00 to open the accounts.  All other deposits and withdrawals must be done in person, either through a school banking day at the student's school or at the bank branch.  
  • Needed for the account:
    • Account owner must be a current K-12 student, along with a parent or guardian.
    • Account owner must provide the social security number for each person on the account.
  • Benefits of the account:
    • Earn Interest
    • Help students learn the basics of banking

Christmas Savings

  • Minimum to open and obtain the advertised APY* $20.00

  • Interest bearing account

  • Starting date November 1st

  • Deposits of any amount, no withdrawals

  • Cutoff date mid October, check automatically mailed

Health Savings Account

A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. To qualify you must be covered under a high-deductible health plan (HDHP).

 

*APY – Annual Percentage Yield
At our discretion, we may change the interest rate on your account at any time.

 

 

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