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CDs/IRAs
Our Certificates of Deposit are issued in terms of 3-months up to 60-months and are automatically renewable.  
 
There is a 10-day grace period after certificate maturity to redeem without penalty for automatically renewable certificates. 
 
Interest paid on certificates of deposit can be deposited into your checking account, a savings account, compounded or paid by check. 
 
Certificate rates are priced in tiers as follows: 
($1,000.00 to $9,999.99), ($10,000.00 to $49,999.99) and ($50,000.00 or more)  
 
Call any of our offices for our current rates and be sure to ask about our CD Specials! 
 
Time certificates of deposit are subject to a penalty for early withdrawal. 
 
Citizens Savings Bank has always taken pride in providing competitive rates on CD's in the markets we serve. Now, we can offer FDIC protection on your CDs that exceed $100,000!  How is this possible?   
 
CDARS provides several benefits to you: 
The Safety and Security of FDIC insurance protection on all your CD money  
A consolidated monthly statement  
A single 1099 at year-end  
The same outstanding CD rates that you have come to expect from Citizens Savings Bank 
 
Stop in to your local office for more details! 



FDIC
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