Passbook Savings
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Minimum to open and obtain the advertised APY* $20.00
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Interest bearing account
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No ATM access
Statement Savings
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Minimum to open and obtain the advertised APY* $20.00
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Interest bearing account
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ATM access (fees are charged when using any machine other than Citizens Federal’s)
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Monthly statement
Christmas Savings
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Minimum to open and obtain the advertised APY* $20.00
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Interest bearing account
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Starting date November 1st
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Deposits of any amount, no withdrawals
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Cutoff date mid October, check automatically mailed
Health Savings Account
A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. To qualify you must be covered under a high-deductible health plan (HDHP).
*APY – Annual Percentage Yield
At our discretion, we may change the interest rate on your account at any time.