Personal Savings Account

  • Savings Account Features

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  • 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.

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