Passbook Savings
Minimum to open is $20.00
Earns a rate of .50% and APY of .50%
(APY is Average Percentage Yield)
No ATM access
Must present passbook for all transactions

Statement Savings
Minimum to open is $20.00
Earns a rate of .50% and APY of .50%
ATM access ( Fees charged when using any machine other than Citizens Federal's)
Monthly Statement

Christmas Savings
Minimum to open is $20.00
Earns a rate of .50% and APY of .50%
Starting date November 1st
Deposits of any amount, no withdrawals
Cutoff mid October, check automatically mailed

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