Personal Savings Accounts

Regular Savings
Christmas Club
Money Market
Vacation Club

Regular Savings

$25.00 minimum balance to open
Interest will be credited quarterly and acrues daily
Three free withdrawals per month; a $2.00 fee will be assessed for each withdrawal in excess of three
Accounts considered dormant after 1 year if no activity; service charge applies
Contact us for current rates

Christmas Club

$10.00 minimum to open
$5.00 fee for each withdrawal made prior to maturity
Interest credited at maturity
Christmas Club checks will be sent the first week in November
Contact us for current rates

Money Market

$2,500.00 opening deposit
$10.00 service charge if balance falls below $2,500.00
Limited to 6 debits per monthly statement cycle, with only 3 being by check
This is a tiered rate account (see current rates for more information)
Contact us for current rates

Vacation Club

$10.00 opening deposit
$5.00 fee for each withdrawal made prior to maturity
Interest credited at maturity
Vacation Club checks will be sent April the 15^th
Contact us for current rates

Beginning July 1, 2010 Citizens First Bank will no longer participate in the FDIC’s Transaction Account Guarantee Program. Thus, after June 30, 2010, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC’s general deposit insurance rules.
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