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Savings Accounts

 

Savings Account Application apply

 

Personal Savings Account

When you maintain a qualifying balance in a Citizens Trust Bank Account, you are eligible to be exempt from a monthly service charge on your account.

 

  • Opening deposit of $100.00
  • Earns competitive interest rates
  • Itemized quarterly statements
  • Interest paid quarterly
  • Transaction limits apply (1 per month, 3 per quarter)

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    Money Market Account

    If you would like to combine investment growth with liquidity and the safety of insured savings, one of the CTB Money Market Accounts will provide an excellent choice.

     

  • Minimum opening deposit required is $1,000.00
  • Minimum balance required for no monthly service charge is $1,000.00
  • Average daily balance required for no monthly service charge is $1,000.00 
  • Earns competitive interest rates
  • Tiered Rates Available
  • Free 24 hour CTB ATM usage
  • Itemized quarterly statements
  • FDIC Insured
  • Interest paid quarterly
  • Transaction limits apply (up to 6 pre-authorized transfers, no more than 3 of which may be checks)

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    Silver Investor Account

     

  • Minimum opening deposit required is $5,000.00
  • Minimum balance required for no monthly service charge is $5,000.00
  • Average daily balance for no monthly service charge is $7,500.00
  • Earns competitive interest rates
  • Tiered Rates available
  • FDIC Insured
  • Transaction limits apply (up to 6 pre authorized transfers, no more than 3 of which may be checks)

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    Future Savers Savings Account

    Start saving for college today for your child or grandchild and let them help. This voluntary program gives students the opportunity to open and maintain a savings account while using relevant math and banking skills they need for the future. Students learn the principles of saving, how to manage money and the importance of investing money for a return. 

     

  • Opening deposit of $5.00
  • Earns competitive interest
  • Itemized quarterly statements
  • Interest compounded daily, paid quarterly 
  • Account must be joint with adult

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    Christmas Club Account

    A non-interest bearing account with the funds disbursed prior to the Holiday season. A penalty is charged if the account is closed prior to the November disbursement date.


  • Has a minimum opening deposit of $10.00
  • Allows unlimited deposits, no withdrawals
  • Savings can be scheduled for a specific purpose

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    Saving Account Application apply

     

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