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Citizens Savings Bank and Trust Company

Citizens Savings Bank and Trust Company

The oldest, continuously operating minority-owned bank in the nation

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Citizens Savings Bank and Trust Company Products

Checking
Savings
Loans
Business
Checking

Personal Checking

Our Personal Checking has been designed to meet your needs with a combination of the various options.

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Personal Interest Checking

Our Personal Interest Checking has been designed to meet your needs at a competitive interest rate.

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Platinum Checking

Our Platinum Checking has been designed for individuals 50 years of age and older.

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eCampus Checking

Our eCampus Checking has been designed for students who wish to establish a banking relationship with us to keep their money safe and secure.

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Savings

Personal Savings

Our Personal Savings has been designed to earn a competitive interest rate.

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Junior Savings

Our Junior Savings has been designed for youth, 18 years old or younger, who want to establish a healthy savings habit.

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Personal Premium Money Market

Our Personal Premium Money Market has been designed to earn higher interest rate.

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Certificates of Deposit

Our Certificates of Deposits offer guaranteed yields, flexibility, and the safety of FDIC insurance. That’s because you lock in a high yield that’s guaranteed from the day you open the account until the day it matures.

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Individual Retirement Accounts

And Individual Retirement Account (IRA) allows you to save for retirement while deducting part or all of your contributions from your taxes.

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Loans

Auto Loans

If it seems like you need to be a world class negotiator these days to buy a new car, van or truck, you’re not alone. That’s why many smart car buyers are turning to bank financing.

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Credit Cards

Not all credit cards are created equal. Some have higher interest rates. Some have higher annual fees. And some have lower credit limits. You may find that you’re eligible for a higher credit limit with our credit card.

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Mortgage Loans

You can count on the knowledge, products, and service you’ll find at Citizens Bank. We’d be happy to help you with the following: FHA,VA, Conventional, Refinancing, Down payment assistance, Construction loans, Investment loans, Portfolio loan programs.

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Home Equity Loans

With a Citizens Savings Bank and Trust Company Home Equity Loan you might be able to save money on our special low, locked-in interest rate that could be 100% tax-deductible (consult your tax advisor).

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Personal Loans

Whether you’re looking forward to a vacation, home improvements, or some other special purchase, Citizens Savings Bank and Trust Company wants to make borrowing quick and easy for you.

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Business

Business Checking

Designed for all types of business: Minimum Opening Deposit of $500.00, Avoid the monthly maintenance fee by maintaining a minimum account balance, Debit Card Available, Online and Mobile Banking Available.

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Non-Profit Checking

Designed for Non-Profit Organizations (Must have a 501c3 Letter). Minimum Opening Deposit of $100.00. No monthly maintenance fee and no minimum account balance. Debit Card Available.

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Business Interest Checking

Various account options based on the amount you wish to invest. Minimum Opening Deposit of $25,000. Avoid the monthly maintenance fee by maintaining an average daily balance. Interest-bearing Account. Online and Mobile Banking Available.

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Business Premium Money Market

A Money Market account with tiered variable interest rate and optional check writing. Minimum Opening Deposit of $2,000. Avoid the monthly maintenance fee by maintaining an average daily balance. Interest-bearing Account.

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Business Savings

Interest-bearing savings account for all types of businesses. Minimum Opening Deposit of $100. Avoid the monthly maintenance fee by maintaining a minimum account balance.

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Business Loans

When it comes to a business loan for buying a building, new equipment, or even a line of credit, we’re ready to lend you money. With our flexible lines of credit and competitive term loans, we can provide you with the resources you need.

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Why Citizens Savings Bank and Trust Company

Certified CDFI

A certified CDFI is a mission-driven financial institution dedicated to expanding economic opportunity to economically disadvantaged individuals & underserved communities by providing access to financial products/services for local residents & businesses.

Minority-Owned

Citizens Savings Bank and Trust Company is the oldest continuously operating, minority-owned bank in the United States. We are dedicated to creating financial opportunities for individuals and businesses within our local community.

Over 100 Years of History

The bank takes pride in its longevity, accomplishments, ideology, and future aspirations.  The focus of its corporate existence is based on socially conscious ideals.  

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Apply for a Mortgage

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Whether you are a first-time homebuyer interest in down payment assistance or a current homeowner interested in refinancing, we've got you covered.

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Visit a local branch or contact us to open an account today!

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This page’s information results from independent research by our editorial team, who does their best to reflect factual and accurate information about the financial institution and its products. Financial institutions are not responsible for the content posted on Banks.com; visit the financial institutions’ website or contact it directly if you have any questions.

If you work for this financial institution and want to adjust any information, contact us at [email protected].

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