simply smarter savings

simply smarter savings


General Product Information

What's the difference between your Online CD account and Online Savings account?

While both are products designed to help you save, they each offer different benefits depending on your needs.

Our Online CD account is ideal if you don't need immediate access to your funds. In a CD account, you agree to invest your savings for a predetermined amount of time in order to earn a higher fixed rate of interest. Please keep in mind that an early withdrawal penalty may apply if you choose to withdraw funds prior to maturity.

Our Online Savings account is ideal if you desire great rates but want more readily available access to your savings. Accessing your savings is easy, simply link your account to your account(s) at other financial institutions and set up a one-time or recurring electronic transfer (transfer restrictions apply).

See our Deposit Account Features Guide for additional details.

How is interest paid?

Interest is compounded daily and paid monthly.

How do I know how much interest I have earned?

That's easy. When you sign into your account, your homepage provides a view into the total interest earned year-to-date across all of your accounts in addition to the amount each account has earned. 

Does Citizens Access offer IRAs?

While we do not offer IRA accounts at this time, we are open to offering them in the future if we hear they are important to our customers. We'd love to hear from you if you have suggestions on how we can better help you attain your savings goals. Please email us at with your recommendations.

Where can I find the Citizens Access account agreement and other disclosures?

To find the Citizens Access deposit account agreement and other disclosures, click here.