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Individual Retirement Accounts

It's never too early to start planning for retirement.

IRAs - Individual Retirement Accounts - are great way to start saving and investing for your retirement because of the tax advantages they offer.

Lock-in your terms today and bank on guaranteed funds to accomplish your retirement goals.

  • Risk-free investment with guaranteed returns
  • Standard CDs offer fixed rates throughout the length of your term
  • Choose from a variety of flexible terms ranging from 12 months to 5 years
  • Interest may be added back to the certificate or deposited automatically to another CB&T account*

*Account will automatically renew and you will have 10 calendar days after the maturity date to withdraw funds without a penalty. Interest begins to accrue on the business day of your deposit. Interest will be compounded daily and will be credited quarterly. The Annual Percentage Yield assumes interest will remain on deposit until maturity. Withdrawals will reduce earnings.

Traditional IRAs offer the advantage of immediate tax-deductible contributions. Your money grows tax-deferred, and is taxed as income only when you begin withdrawing from your account. Additionally, you can rollover assets from 401(k)s or other pre-tax employer-sponsored plans.

Roth IRAs offer the advantage of tax-free withdrawals at retirement. In contrast to Traditional IRAs, Roth IRAs grow using after-tax contributions, meaning your contributions are not tax-deductible. This allows more money to be available to you in retirement.

All Citizens Bank & Trust Company CDs are FDIC insured for your peace of mind.

Contact your local branch for current rates.

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Credit Cards

Citizens Bank & Trust Company credit cards are designed to meet your financial needs.
  • Earn points or cash back
  • No foreign transaction fee
  • ID Theft Protection™