Welcome to Citizens Federal!
We are now offering 2 new CD's
60 month CD - The opening balance requirement is $500.00 and has a rate of 2.23% with an APY of 2.25%. If you invest any amount over $250,000.00 the rate is 2.47% with an APY of 2.50%.
48 month CD - The opening balance requirement is $500.00 and has a rate of 1.98% with an APY of 2.00% If you invest any amount over $250,000.00 the rate is 2.23% with an APY of 2.25%
On both of these new CD's you can make deposits at any time with the minimum amount being $100.00.
These accounts will have fixed rates for the term of the CD.
18 month CD - The opening balance requirement is $500.00 and has a fixed rate of 1.14% with an APY of 1.15%.
ICBA and Citizens Federal Savings & Loan Offer Financial Tips to Help Prepare for a Natural Disaster
In recognition of National Preparedness Month, the Independent Community Bankers of America® and Citizens Federal Savings & Loan would like to remind Americans about the importance of getting their financial affairs in order and offer tips to help them prepare before a natural disaster strikes.
"Having access to pertinent documents and emergency funds is critical in the days and weeks following a natural disaster," said ICBA Chairman Rebeca Romero Rainey, chairman and CEO of Centinel Bank of Taos, N.M. "Devising a strategy ahead of time can help alleviate victims from undue pressure during an incredibly stressful time. Doing so will also help minimize financial uncertainty, and limit the long-term impacts from damaged, destroyed or lost financial documents."
ICBA and Citizens Federal Savings & Loan offer the following tips to help consumers prepare for a natural disaster:
- Store important documents such as proof of identity, property ownership, insurance policies, bank and investment account information, and three years of tax returns in a bank safe-deposit box. Encase these items in plastic bags to prevent moisture.
- Prepare additional copies of critical documents such as birth certificates, adoption papers, marriage licenses and the deed to your home for safekeeping and inform a trustee, relative or attorney of their location.
- Print out key contact information for executors, trustees and guardians and store it in a secure location, either in your safe-deposit box or with a close relative.
- Inventory personal and household valuables (take photos, keep receipts) to help evaluate replacement costs.
- Include surplus cash, preferably small bills, in your home emergency kit. The kit should also include a three-day supply of food and water, a first aid kit, can opener, radio, flashlights and batteries.
- Create digital copies, which can serve as a supplement or backup to paper documents. Scanned or electronic documents can be uploaded with secure online backup services.
- Contact your insurance agent or visit the Federal Emergency Management Agency's website at www.fema.gov to determine if a flood insurance policy is right for you.
"Your local community banker can also serve as a valuable resource in helping assess your financial preparedness in the event of a natural disaster," said Justin Dinovo, President of Citizens Federal Savings & Loan. "Remember that your community bank is always with you-in good times and in bad."
To find a community bank, visit www.banklocally.org
For more information and resources, including a copy of an Emergency Financial Preparedness Guide www.icba.org/files/PDFs/emergency_final.pdf visit ICBA's Consumer Education and Resources webpage www.icba.org/consumer/index2.cfm
For additional information about Citizens Federal Savings & Loan, please continue to explore our website.
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