To assist you in maximizing your investment dollars, Citizens offers a wide range of terms and competitive rates on Certificate of Deposit accounts. You will receive higher interest rates for higher balances.

AVAILABLE TERMS

Short Term:

• 30, 60 and 90 Days as well as 6 to 11 Months.
• Interest is paid on ledger balance.
• Interest is credited at maturity.
• Early withdrawal penalty is the loss of all accrued interest.

Long Term:

• 1-5 Years.
• Interest is paid on ledger balance.
• Interest is compounded and credit quarterly.

Business Certificate of Deposit (CD)
Minimum Opening Deposit	$10,000
Minimum Balance	$10,000
Monthly Service Fee	No monthly service fee

Funds must be kept on deposit until the CD matures. If not, an early withdrawal penalty will apply.

For Business Relationship CD rates, please contact the Business Resource Center 1-888-811-6344.