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Personal Banking

Personal Savings Accounts

Regular Savings

  • No charge for first 6 withdrawals per month
    • $1 per withdrawal over 6
  • Quarterly statement
  • Interest compounded and paid quarterly

Minimum deposit to open - $50
Minimum balance to earn interest - $50
Quarterly service fee - $0


Christmas Club

  • Dedicate this account for your holiday spending.
  • Earns interest
  • A deposit before January 31 renews account for an additional year.

You'll receive a check in November, just in time for seasonal shopping!

Liberty Tiered Rate Money Market

  • Rates are subject to change daily
  • Earns interest rate set by financial institution, based on daily balance computation method
  • Interest paid monthly to account balance at time statement rendered
  • 6 withdrawals per month
    • $10 per withdrawal or check written above limit of 6

Minimum deposit to open - $2,000
Monthly service fee - $10
Monthly fee is waived by:

$2,000 minimum daily balance


Certificates Of Deposit

  • Open with as little as $1,000.
  • Flexible maturities from 6 months to 60 months.
  • Interest rate will not change throughout the term.
  • Automatic renewal at maturity unless you withdraw your money within the grace period.
  • Early withdrawal penalties will apply.

Individual Retirement Accounts

Citizens' Bank Fixed-rate IRA CDs

An IRA is a retirement plan designed for use in those later years when you want to enjoy the quality of life you worked so hard to achieve. IRAs can save tax dollars now and earn tax deferred interest for more retirement dollars later. The Citizens' Bank fixed-rate IRA CD can be opened for terms of 30 months or 60 months. Additional deposits are allowed during the term. Rollovers and Direct Transfers are accepted from Qualified Retirement 401-K's and other IRA funds.

Citizens' Bank Variable-rate IRAs

The interest rate associated with the Citizens' Bank Variable-rate IRA varies throughout the life of the account based on fluctuations in the Treasury Bill rates. Additional deposits will be accepted to this IRA. Rollovers and Direct Transfers are accepted from Qualified Retirement 401-K's and other IRA funds.

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