Personal Savings Accounts

Regardless of how you save or invest your money, we can work with you to match your savings goals. Check out our full array of FDIC insured savings accounts. Waive the monthly service fee on any savings account simply by maintaining the minimum balance!

With Savings Overdraft Protection you can attach a CIB savings account to your checking account and avoid overdraft fees. If you’re overdrawn, funds will automatically transfer from the savings account to the checking account.*

You may also be interested in our non-FDIC insured investments and insurance products available through Citizens Investment Services.

Certificates of Deposit (CDs)

Certificates of Deposits (CDs) from Bank CIB

Invest in a CD with terms as low as 91 days!

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  • Minimum to Open as Low as $500
  • Flexible Payout Options
  • Offers Higher Interest Rates Than Other Savings Options

Regular Savings

Regular Personal Savings Account

A basic savings account for moderate savers.

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  • $300 Minimum Balance
  • $3 Monthly Service Fee
  • Interest Compounded Quarterly**

Money Market Savings

Money Market Personal Savings Account

Competitive yields, easy access, and tiered rates to maximize interest earnings.

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  • $500 Minimum Balance
  • $10 Monthly Service Fee
  • Interest Compounded Monthly**

Premier Money Market Savings

Premier Money Market Savings Account

Perfect if you have substantial account balances. Offers tiered rates to reward those with higher balances.

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  • $100,000 Minimum Balance
  • $20 Monthly Service Fee
  • Interest Compounded Monthly**

Student Savings

Student Savings Account

Help your children learn the value of saving through two account options: Junior Savers Club for ages 13 & under and Student Savers Club ages 14-17.

  • $5 Minimum Balance
  • No Monthly Service Fee
  • Interest Compounded Quarterly**

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Holiday Savings

Holiday & Vacation Savings Accounts

A great way to save for holiday shopping, a vacation or as a starter savings account!

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  • $1 Minimum Balance
  • $3 Service Fee for Each Withdrawal
  • Interest Compounded Quarterly**

*A $9 transfer fee applies, limited to 6 transfers per month.

**Interest rates on all interest-bearing accounts are determined by the bank and may be adjusted at the bank’s discretion. You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.