Personal Savings

Helping You Save for Things that Matter

Whether you're saving for a down payment, to pay for medical emergencies, or for retirement, we have options to help you achieve your goals in the way that works best for you.

Simply Savings

A great option for saving, especially if you're just getting started.

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Open an Account

Health Savings Account

The perfect companion to a high deductible health plan (HDHP).

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Money Market Account

Combines features of checking and savings accounts for flexible savings.

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Certificates of Deposit (CDs)

Lock in an interest rate for a selected term.

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Individual Retirement Account (IRA)

Save for retirement in a tax-advantaged environment (talk to your tax advisor for details).

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Personal Checking

Consumer Loans

Digital Banking Tools

What People are Saying

The woman who helped me open my account recommended automatic transfers as a savings tool, and it's the best financial advice I've gotten! I started with one monthly transfer, and when I paid off my car I set up another. (It's going to a separate account I plan to use for either car repairs or to pay for a new car.) It's like the envelope method, but better since I never actually have the money on-hand.

Survey Response

Simply Savings

Saving for a Rainy Day

 

  • Funds are readily available
  • Direct deposit and automatic transfers make saving easy
  • Digital banking tools make it easy to track your progress
  • No monthly service charge for those under 18
  • Your funds are insured by the FDIC

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Open an Account   

Health Savings Account (HSA)

Health Savings Accounts

If you qualify, HSA funds can be used to pay for qualified medical expenses and may reduce your taxable income. (Talk to your tax advisor for details.)

  • No setup or monthly fees
  • Access funds online, by check or Visa debit card
  • The account stays with you, even if you change employers
  • Unused funds are carried over - no "use it or lose it"
  • Digital tools allow you to attach receipts or tag transactions for easy record-keeping
  • Funds are insured by the FDIC

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Money Market Account

Happy Couple Enjoying Cooking

Money Market Accounts (MMAs) combine checking and savings features for a flexible way to save.

  • Earn a higher rate of interest than statement savings accounts
  • Make up to six pre-authorized transactions each month
  • Use digital tools to monitor account and transactions
  • Use this account to provide overdraft protection (fees may apply)
  • Your funds are insured by the FDIC

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Certificates of Deposit (CDs)

Woman Looking at her Certificate of Deposit (CD) balances
  • Higher return than a statement savings account
  • Variety of terms
  • Steadily grow your money
  • Your choice of interest payment options
  • Account can be used as collateral for a personal loan
  • Your funds are insured by the FDIC

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Individual Retirement Accounts (IRAs)

Woman monitoring accounts on her phone

 

It's never too early to start saving for retirement, and IRAs are great options to help you reach your savings goals!
  • We offer Traditional and Roth IRAs, as well as Simplified Employee Pension Plans (SEP)
  • No annual fee
  • Earnings not dependent on market performance
  • Variety of terms 
  • Funds are insured by the FDIC

LET'S TALK

Let's Talk Savings!

We understand that managing your money can feel a little overwhelming - especially when you're laying the groundwork to reach a savings goal. That's why we're here for you. If you have questions, let us know.

Complete this form and we'll be in touch. You'll feel peace of mind. And together, you'll have confidence in a plan to meet your most important savings goals.

Why choose Citizens State Bank?
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