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Certificates of Deposit

Certificates of Deposits (CD's) typically pay the highest rate of interest on deposit accounts. Our certificates are designed around your business with a variety of terms and rates based on what works best for you and your company. Most CD's require only $500 to open, however there is a substantial penalty for early withdrawal.

Citizens Bank wants you to feel comfortable knowing that your money is safe with us. In fact, our new Certificate of Deposit Account Registry Service (CDARS) will guarantee that your entire deposit, no matter how large, is eligible for FDIC protection. You work with one bank, receive one rate and one statement.

Municipal (Public Funds) Accounts are also available with special terms. For more information on these accounts, please contact Bob Kinder at or (317) 831-9663.