Personal Savings Account

  • Savings Account Features

    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
  • Fees & Requirements

    • $100
    • $2,500
    • $1,000
    • $1,000
    • $3
    • $14
    • $0
    • $0
    • $300
    • $2,500
    • $0
    • $0
    • $2
    • $5
    • $0
    • $0

Personal Savings

This First Citrus Bank Personal Savings account allows you to earn interest on your money.

  • Minimum to open: $100
  • With a daily balance of $300 - No maintenance fee
  • $3.00 maintenance fee per statement cycle, if applicable
  • 2 withdrawals per statement cycle at no charge
  • Additional withdrawals $2.00 each
  • Free transactions at First Citrus Bank ATMs

Rate Information: Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. Interest will be compounded daily, and credited to the account each statement cycle. The interest rate is subject to change.

Balance Information: We will use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The customer must maintain a minimum daily balance of $300 to obtain the disclosed annual percentage yield. No interest will be earned during the statement cycle in days which the balance falls below $300. Additional charges may reduce APY earning

Personal Money Market

Earn a competitive interest rate and enjoy immediate access to your funds with the First Citrus Bank tiered Personal Money Market account. It's flexible and offers a variety of advantages.

  • Minimum to open: $2,500
  • With minimum daily balance of $2,500 - No maintenance fee
  • $14.00 maintenance fee per statement cycle, if applicable
  • Imaged statements
  • 6 covered withdrawals allowed during a statement cycle, per Federal Regulations
  • Additional withdrawals $5.00 each
  • Below are the interest rates tiers based on daily balances:

Rate Information: Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. Interest will be compounded daily, and credited to the account each statement cycle. The interest rate is subject to change.

Balance Information: We will use the daily balance method to calculate the interest on the account, which applies a daily periodic rate to the principal in the account each day. The customer must maintain a minimum daily balance of $2,500 to obtain the disclosed annual percentage yield. No interest will be earned during the statement cycle in days which the balance falls below $2,500. Additional charges may reduce APY earnings.

Certificate of Deposits (CD)

For longer term investments with higher yield, First Citrus Bank offers a variety of Certificates of Deposit. Interest rates vary according to term, and interest can be paid monthly on anniversary, quarterly on anniversary, semiannually on anniversary, or at maturity - it's your choice! Interest may be reinvested, deposited to another account, or paid by check. CDs are subject to a penalty for early withdrawal.

  • Minimum to open: $1,000
  • Terms range from three (3) months to sixty (60) months
  • Automatic certificate renewal available

IRA

Set aside money for retirement with a First Citrus Bank IRA savings account. First Citrus Bank offers Traditional and Roth IRA's.

Traditional IRA

  • $1,000 minimum balance to open
  • Choose your term – from 3 months to 60 months
  • Automatic certificate renewals available
  • No income limits to open
  • No minimum contribution in any year
  • Contributions are tax deductible on state and federal income taxes*
  • Earnings are tax deferred until withdrawal
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 70½

Roth IRA 

  • $1,000 minimum balance to open
  • Choose your term – from 3 months to 60 months
  • Automatic certificate renewals available
  • Income limits to be eligible to open Roth IRA
  • Contributions are NOT tax deductible
  • Earnings are 100% tax-free at withdrawal*
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty**
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

* Consult a tax advisor
** Certain exceptions apply, such as healthcare, purchasing first home, etc.

  • Citrus Park
  • Carrollwood
  • Kennedy
  • South Tampa
  • Brandon
  • Follow Us:
  • Visit Our Facebook Page
  • Visit Our LinkedIn Page
  • youtube-icon
First Citrus Bank Site Map Privacy Notice10824 N. Dale Mabry Hwy Tampa, FL 33618 All rights reserved | logo-ehlEqual Housing Lender, Member FDIC.

Personal Online Banking Enrollment

We've enhanced our online banking to better serve you. If you haven't already done so, please enroll in our new system.

Note: This will take you to a third-party site. Note that the third party's privacy policy and security practices may differ from our standards. We assume no responsibility nor do we control, endorse or guarantee any aspect of your use of the linked site.

Enroll Now Continue to Login
Brandon Location Map

First Citrus Bank Brandon

1314 Oakfield Drive | Brandon, FL 33511

Customer Service

813-864-0929

Loans

813-269-5414

Fax

813-864-0937

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
Carrollwood Location Map

First Citrus Bank Carrollwood

10824 N. Dale Mabry Hwy | Tampa, FL 33618

Customer Service

813-926-2848

Loans

813-269-5414

Fax

813-269-5416

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
Citrus Park Location Map

First Citrus Bank Citrus Park

13850 Sheldon Road | Tampa, FL 33626

Customer Service

813-926-5588

Loans

813-269-5414

Fax

813-864-1250

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
Kennedy Location Map

First Citrus Bank Kennedy

4302 West Kennedy Blvd. | Tampa, FL 33609

Customer Service

813-422-6625

Loans

813-269-5414

Fax

813-422-6650

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
South Tampa Location Map

First Citrus Bank South Tampa

4240 Henderson Boulevard | Tampa, FL 33629

Customer Service

813-287-0992

Loans

813-269-5414

Fax

813-287-0322

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm