Individual Retirement Accounts (IRAs)

Individual Retirement Accounts allow you to plan and save for your retirement. Citizens offers numerous kinds of IRAs. IRA Investments may be made in time deposits. Tax consequences of IRAs should be discussed with your tax advisor.

• Traditional or ROTH IRAs
• 12 month, 18 month, 24 month, 36 month, 4 year, 5 year, 7 year, & 10 year certificate of deposit investment
• Flexible distribution options
• Fixed rate
• Contributions may be a deduction for traditional IRAs
• Minimum opening balance
• There may be a substantial penalty for early withdrawal
• You must maintain a minimum balance in account each day to obtain the disclosed annual percentage yield

Contact us for additional information.