Citizens Independent Bank offers multiple ways to save money, geared to your short-term and long-term goals. Each account grows your funds with steady interest payments and helps you monitor progress with digital banking tools1.
Give your savings extra momentum with higher interest rates – and enjoy even better rates as your balance grows bigger. Make quick withdrawals with Online or Mobile Banking1 whenever you need funds.
A good way to begin your savings journey. Your deposits plus our interest payments can put your funds on the fast track. Track your success and move your money with digital banking tools1.
It's easy to save for qualified medical expenses with an HSA to relieve some stress when you need treatment. These are available if you're currently enrolled in a high-deductible health plan.
Choose a CD with a savings period of 91 days to 60 months, depending on your future financial plans. Then lock in an attractive rate and feel confident you're taking big steps toward achieving your financial goals.
Prepare for your Golden Years with a Traditional or Roth IRA. Earn more than you would with a standard savings account and enjoy tax advantages that stretch your money further.
2When your linked Signature High Yield Checking or Signature Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to $100,000 in your Signature Saver account earn an Annual Percentage Rate (APY) of 3.0% and daily balances over $100,000 will earn an APY of .25% resulting in a blended APY between 3.00%-0.25% depending on the account's daily balance. APY accurate as of 04/01/2026.
When your linked Signature High Yield Checking or Signature Cash Back Checking account qualifications are not met during a Monthly Qualification Cycle, the entire daily balance in the Signature Saver account earns an APY of .05%.
Interest will be credited to your Signature Saver account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Minimum opening deposit of $25 is required to open the account. There are no recurring monthly maintenance charges or fees to open account; Early closing fee of $10 if within 90 days and other fees may apply. A Signature High Yield Checking or Signature Cash Back Checking account is required to have a Signature Saver account. A linked Signature Saver account is required for automatic savings. Contact a banker for additional information.
Debit card transactions need to post and settle to the account during the cycle period. Please note that posting and settling of transactions may not occur on the same day the transaction is made, and there may be a delay before a transaction posts to your account.