Personal Savings


Citizens Federal Savings Bank offers a convenient online process for opening personal savings accounts, catering to both existing and new customers. Our range of savings options includes the standard personal savings account, which accrues daily interest and allows up to six monthly transactions without additional charges, provided the balance remains above $200. For younger savers, the Dollar Dog Savings Club provides an engaging way to learn about saving, requiring no monthly fees and just a $25 initial deposit. Our Statement Savings account is ideal for those seeking a reliable savings method with overdraft protection capabilities, and our Health Savings Account offers significant tax benefits and helps manage medical costs effectively. Additionally, our Christmas Club account allows customers to save year-round for holiday expenses, with funds becoming available each November. For more detailed information on our savings products, please visit our website.

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