About Us  |  Privacy Policy  |  Locations  |  Contact Us   


Order Checks
Check

Calculators
Calculators

Loans
Loans

CDs and IRAs

Certificate of Deposit

  • Initial deposit required to open: $1,000.00
  • Terms offered: 1, 2, 3, 6, 9, 12, 18 and 24 months
  • Terms renew automatically, if not closed within the 10-day grace period

Early withdrawal penalty

  • If your CD has a term of one year or less, the penalty imposed will equal one month of interest.
  • If your CD has a term of more than one year, the penalty imposed will equal three months of interest.

 

Individual Retirement Account (IRA)

  • Initial deposit required to open: $1,000.00
  • Terms offered: 12 months

Types of IRAs offered: Traditional and Roth

  • Traditional: pay taxes later, contributions may be tax deductible*
  • Roth: pay taxes now, tax free qualified withdrawals*

An early withdrawal penalty may apply depending on circumstances

*Certain restrictions and conditions apply. Not all tax advantages may be available to you. Specific questions on taxes, contributions, deductible qualifications and withdrawal rules, as they relate to your to your individual retirement accounts, should be reviewed with your professional tax advisor. 

 

 

 

 

 

You are leaving Citizens Bank and Trust Company

By clicking Continue, you will be taken to a website that is not affiliated with Citizens Bank and Trust Company. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Citizens Bank and Trust Company. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Citizens Bank and Trust Company

Continue
×

Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.

Continue
×