Savings

Your bank accounts help you prepare for life's biggest events, access money when you need it, create the secure future you deserve. Citizens National Bank provides the savings and investment tools to help you achieve all these financial goals, daily and for the future. We are the community partner investing in you — and helping you with smart investments for your bank accounts.

Savings Accounts

Statement Savings — Earn Interest, Retain Access

• Low $200 minimum monthly balance requirement
• Competitive interest rates compounded daily, paid quarterly
• Two free withdrawals per month
• ATM access with linked checking account
• Free 24/7/365 telephone banking with Your Account On Call
• Statements sent quarterly

Young Savers Accounts —Start Early, Build Savings

• No fees for participants under 18
• Low $5 minimum opening balance
• No monthly minimum balance or service fees

Christmas Club — Open Early, Save Yearly

• Provides a convenient way to save for end of the year expenses
• Payments made by automatic transfer
• $250, $500 and $1,000 clubs available
• Receive checks in early November for the Christmas shopping season

Premier Investment Money Market

• Premier rates — the higher your balance, the higher your rates
• Premier flexibility — up to six free withdrawals/transfers per month
• Your Account On Call — free telephone banking, available 24/7/365
• One free order of checks
• Monthly statement with free check images

Certificates of Deposit (CDs)

• Options to manage your money and achieve your financial goals
• The most safe and secure way to earn interest — never lose principal
• FDIC insured
• Terms available from 10 days to 5 years
• Competitive fixed rate CDs available

Individual Retirement Accounts (IRAs)

Traditional IRAs — Earn Interest

• Fixed and variable rates
• Contributions may be tax deductible*
• Taxes on earnings or pre-taxed dollars are deferred until distribution
• Distributions taken without penalties at age 59½

Roth IRAs — Reduce Taxes

• Tax-free growth from a more flexible IRA
• Contributions are not tax deductible
• After five years, qualified distributions are tax exempt if over age 59½ 
• Withdrawn funds for first home purchase are tax exempt if under age 59½

Coverdell Education Savings Account (CESA) — Save Money

• Save money and earn tax-exempt interest for your child's education
• Make yearly non-deductible contributions up to $2,000
• Qualified distributions and earnings are tax exempt

Citizens National Bank cares about the economic growth of our communities and proudly serves:
• Allen, KY 
• Ashland, KY 
• Belcher, KY
• Catlettsburg, KY 
• Cannonsburg, KY 
• Elkhorn City, KY 
• Garrett, KY
• Grayson, KY
• McDowell, KY
• Paintsville, KY 
• Pikeville, KY
• Prestonsburg, KY 
• Russell, KY
• Salyersville, KY 
• South Williamson, KY

*Consult your tax advisor.