Savings

Whether your savings goals call for the simplicity of a savings account, the longer term reward of certificates of deposit, or the tax advantages of an Individual Retirement Account (IRA), Citizens Commerce can easily accommodate your needs.

Savings Account

  • Minimum opening balance of $100
  • Tiered rate based on balance
  • Limit six debits per statement cycle—$5 for each debit after six
  • Reimbursement up to $10/month of ATM surcharge fees for out-of-network ATMs
  • $2 paper statement fee*

Citizens Money Market

  • Minimum opening balance of $1,000
  • Tiered rate based on balance
  • $20 monthly service fee if balance falls below $1,000 any day of the statement cycle
  • Limit six debits per statement cycle - $5 for each debit after six
  • Reimbursement up to $10/month of ATM surcharge fees for out-of-network ATMs
  • $2 paper statement fee*

Christmas Club

  • 3 Club Options
  • $ 5 Club = Target balance greater than or equal to $250
  • $10 Club = Target balance greater than or equal to $500
  • $20 Club = Target balance greater than or equal to $1,000
  • Christmas Club accounts payout in mid-October each year.
  • Balance at maturity must be greater than or equal to target balances listed above in order to obtain accrued interest.

Certificates of Deposit (CDs)

  • Flexible terms up to 60 months
  • Tiered rate system allows you to maximize interest earnings
  • Minimum opening balance of $1,000
  • Interest can be compounded or deposited into a Citizens Commerce account
  • Automatic renewal at maturity

Individual Retirement Accounts (IRAs)

  • Flexible terms up to 60 months
  • Tiered rate system allows you to maximize interest earning
  • Minimum opening balance of $1,000
  • Interest can be compounded or deposited into a Citizens Commerce account
  • Automatic renewal at maturity

ROUND-UP SAVINGS

Build your savings faster with our RUS product. When you use your Citizens Commerce debit card for a signature-based transaction (non-P.I.N.), we will automatically round up to the nearest dollar and deposit the difference into your Citizens Commerce savings account on the next business day. Citizens Commerce will also match a percentage of your round-up amount, up to a maximum of $250 annually. Swipe, round up and start saving today! It’s just like throwing your spare change in a jar. You will need a personal checking account, savings account and debit card to participate.

*Savings accounts allow free paper statements for signers over 60 or when combined with primary checking that is eligible for free paper statements. Money Market accounts allow free paper statements when combined with primary checking that is eligible for free paper statements.