Savings Accounts

Put it away for a rainy day … or for a shiny new car. We’ve got an account to help you get there.

Passbook Statement Savings

• No minimum opening balance
• $1 fee if balance drops below $100 unless customer is under 18
• 6 transfers per month - $1 fee for each w/d thereafter, unless daily balance is $150 or more
• Unlimited transfers per month between accounts of the same depositor
• Unlimited W/D per month if done in person, by messenger, by mail, at an ATM or by telephone with check mailed to account holder.
• If the account balance falls below $0 a $21.00 fee will be charged.

Christmas Club

Complete your Christmas list with a little extra gift from Citizens First Bank.

• $5 minimum opening balance
• Make all 49 payments and we make the 50th payment
• Checks issued annually, the first week of November
• All accrued interest forfeited if withdrawals made before checks issued

Kids Club

Teach your children the value of saving with this program from Citizens First Bank.

• Special savings (and fun extras!) for children
• No minimum balance required
• No monthly maintenance fee

Savings Bonds

They aren’t your grandmother’s savings plan anymore. Bonds continue to grow in popularity as a safe, easy investment with tax benefits.

• Can be replaced if lost, stolen or destroyed
• Can be cashed as early as 6 months after purchase
• Interest added monthly
• Cost is half of the face value of the bond