Savings Accounts

Citizens makes it easy to save! Our savings plans offer you flexible, convenient, and easy access. 

Regular Savings Account

Our regular savings account features a minimum balance of $25 and no monthly service charge. The account pays dividends on the average daily balance if the account has a balance of $100 or more. Dividends are paid to the account monthly. Members may establish secondary savings accounts and name them to manage funds better (new car, house down payment, etc.).

Christmas Club

A Christmas Club account is a special type of savings account that earns the same dividends as a regular savings account. Dividends are paid on a monthly basis.

• The club year runs from November 1 to October 31.
• Members may deposit any amount they wish into this account and deposit as often as they like.
• At the end of the club year, the funds are transferred from the Christmas Club to the primary savings account.
• If the member wishes to close the account before the club year ends, there is a $10 early closing fee, and they are not able to reopen their Christmas Club account until the start of the next club year.

Vacation Club

A Vacation Club account is a special type of savings account that earns the same dividends as a regular savings account. Dividends are paid on a monthly basis.

• This account does not have a specific club year.
• Members may deposit any amount they wish into this account and deposit as often as they like.
• Members may make one withdrawal from this account per calendar year.
• If they wish to make additional withdrawals, there is a $10 fee.

Kirby Kangaroo Kids Club

A Kirby Kids Club account is different from a regular savings account but earns the same dividend as a regular savings account. This account is for children 12 years old and under. The child will receive a membership card and a Kirby Kangaroo Club Passbook. They receive a sticker (worth one point) for each deposit into their account. The stickers/points are redeemable for special Kirby prizes. There are also special events held periodically for Kirby members. A Kirby account must maintain a minimum balance of $25 to keep the account open. Only a parent or legal guardian is able to open an account for a minor. Click here to learn more.