SAVINGS
Whether you're saving for your first car, a college education, a special vacation, this year's holiday shopping or your retirement, we want to help you reach your goals. That's why we offer a variety of savings plans, all with excellent dividend rates calculated daily and paid monthly to provide the highest yields for you. And your accounts are safely insured by the National Credit Union Association (NCUA) for up to $100,000 each.

We'll send you clear, easy to read statements every month for checking account members or every quarter for savings-only members.  Or you can view your statements electronically as often as you'd like.  Why not start saving now?

Basic Savings Account
As the basic building block of your membership with Citizens, your share savings account qualifies you to apply for all other credit union services as long as you keep a minimum monthly balance of $10.

Special Savings Accounts
If you're saving for a specific purpose or you want to keep a portion of your money separate from the rest, you can open a special savings account with no minimum deposit.  You can take the money out when you need it...with no penalty!  Some of the special savings account programs we offer are:

• Holiday Club (1/4% higher interest rate; withdrawals can only be made between November 1st and Dec. 31st)
• Savasaurus Kid's Club
• Tax Savings Account
• Secondary Accounts
• Vacation Account
• Build-your-own Special Savings (call it whatever you'd like and choose a suffix letter that is meaningful to your savings goal!)

Variable-Rate Accounts
Earn more money on your savings accounts with our tiered variable-rate plans if you have at least $1,000 in your account.  The higher your balance, the higher your interest rates!

Certificate of Deposit (CD)
With as little as $500, you can purchase a CD over three months to five years.  Your interest rate is fixed for the entire term and won't fluctuate with market conditions.  Check out our current CD rates!  Call now to start saving!

Individual Retirement Account (IRA)
Start saving for your retirement with as little as $10, and your money will earn tax-deferred interest.  IRAs are an excellent way to invest in your future.

CHECKING
Citizens Credit Union can help you keep more of your money with a totally free checking account.  We also save you time and money by giving you 24-hour access to your account through ATM/Debit cards, Home Financial Services Online Banking, CIT Telephone Access, direct deposit, and low-cost checks.  And with our overdraft protection options, you can avoid costly mistakes and feel secure that your checking account is working for you.

Basic Checking
Looking for a REAL totally-free checking account?  This one offers no monthly service charge, no minimum balance requirement, and no per-check fee.

Variable Checking
Earn interest on your money while you're using it in your checking account.  With our tiered rate-variable checking accounts, we calculate the interest daily on balances over $1,000 and pay you dividends every month. 

Overdraft Protection
Rest easy knowing you'll never overdraw your checking account.  We'll automatically transfer money from your savings to cover your overdraft.  Sign up for a secondary overdraft for coverage when you're a little low in your savings!  Or you can apply for an Easy Money Line of Credit and we'll advance that to cover overdrafts.  Any automatic transfers only cost you $5!  And if you don't have the money in savings or secondary overdraft, or have a line of credit, we still may be able to cover your overdraft for you and save you the embarassment of having the check returned for non-sufficient funds-and we'll only charge you $25.

OTHER CONVENIENT SERVICES
At Citizens Credit Union, our motto is "Taking you into account."  What does that mean for you?  It means services you want, when you want them.  It means professional, friendly staff and convenient locations.  And it means the latest in technology designed to work with your busy lifestyle.

ATM Card
Use your ATM Card and personal identification number (PIN) to make fee-free deposits and withdrawals at any Citizens ATM or at any participating locations and credit unions.  You may qualify for an ATM Card if you have either a checking account or a savings account with direct deposit at Citizens.  Print and fill out this online application and mail it to the address on the bottom of the application.  

Bill Pay & Automatic Payments
Why spend time writing the same old checks month after month?  Let us pay your bills automatically from your account.  You tell us what to pay and when, and then relax.  Or if you prefer, use our free online bill pay to set up your own recurring payments and the money will be transferred right from your account to anyone you pay regularly ? your mortgage holder, the cable company, your baby sitter, anyone!  Or make payments as needed by simply pressing a few buttons.  With Bill Pay, you can also transfer money to anyone with an email address, or to an account you have at another financial institution!  Sign up today!

Citizens Information Teller (CIT)
With our free, unlimited 24-hour telephone account access system, you can check your balances, monitor your account activity, see if a check has cleared, and conduct transactions by telephone anytime, day or night.  Sign up and select a personal identification number to begin managing your account by phone.  To access CIT, just call (269)381-1651 or 888-381-1651.  For more information on how to use CIT, go to CIT 24-hour Telephone Access.

Credit Cards (MasterCard or Platinum MasterCard)
To fill out an application for a Citizens Credit Union credit card click on Citizens Credit Union . Members can also earn reward points, for every dollar spent on your MasterCard or Platinum MasterCard. Go to the website to review all the rewards to choose from!