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GO HIGHER. START HERE.

Earn a great rate on our new 19-month
certificate of deposit (CD).

Open Online Now


19-MONTH CD SPECIAL

Interest rates are on the rise – so make them work in your favor.
Reach your goals sooner with this safe and high-yielding savings option.

Open Online Now





Secure a competitive rate with
a $2,500 opening deposit.






Protect your hard-earned
savings from loss of principal.






Watch your nest egg grow
from anywhere, anytime.


MORE SAVINGS SOLUTIONS

Looking for a shorter-term investment? Check out our 13-month CD yielding 3.25%
APY.1 We also offer a full suite of CDs ranging from 6 to 60 months, a Preferred
Money Fund account with tiered interest, HSAs, IRAs, and a variety of other
products to suit every savings goal.

Learn More



WOW RATE ECHECKING

Want to boost your earnings even more? This digital-forward account rewards you
with premium interest and fee rebates just for using convenient tools like
direct deposit and our contactless Debit Mastercard®. It’s the perfect pairing
with our current 19-month CD special, and it’s easy to open online.

Learn More


THE RIGHT PLACE TO SAVE

For over 85 years, Citizens Bank has been empowering East Tennesseans to make
the most of their money and live their best lives. Got a question?
Our local customer service specialists are happy to help.

Open an Account Today Get in Touch Try Our Rate Calculator

* Securities offered through Raymond James Financial Services, Inc., Member
FINRA/SIPC, and are not insured by bank insurance, the FDIC or any other
government agency, are not deposits or obligations of the bank, are not
guaranteed by the bank, and are subject to risks, including the possible loss of
principal. Investment Advisory services offered through Raymond James Financial
Services Advisors, Inc. Citizens Investment Services and Citizens Bank are not
registered broker/dealers and are independent of Raymond James Financial
Services, Inc.



Routing #: 064207946 | NMLS #: 449222

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