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SEP IRA

SEP IRA stands for Simplified Employee Pension IRA. It's a tax-deferred retirement plan for small business owners, an employer makes deductible contributions directly to each eligible employee’s Traditional IRA. Citizens can help you set up your SEP-IRA today.

  • Minimal paperwork and reporting
  • An employer can make discretionary annual contributions
  • Deductible employer contributions are made directly to employees' IRAs
The minimum amount to add to this CD is $50.00. The interest rate is subject to change.


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Temporary Liquidity Guarantee Program - Our institution has elected to participate in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.