CD Special

Term: 3 years
APY: 3.03%

Term: 4 years
APY: 3.34%

Term: 5 years
APY: 3.55%

CD Special Minimum Deposit: $5,000

Rates are subject to change without notice.
Early Withdrawal Penalties May Apply.
APY = Annual Percentage Yield

CITIZENS NATIONAL BANK RECEIVES TOP HONORS FROM NATIONAL RATING FIRM FOR OVER 18 YEARS

Paul A. Bauer, President of BauerFinancial Inc., a national rating service of financial institutions, has awarded The Citizens National Bank, Putnam, Connecticut its 5-Star SUPERIOR rating. According to Bauer, “This 5-star rating recognizes the highest level of bank performance and Citizens National Bank has received this distinction for the last 76 consecutive quarters, since June 1989.” Fewer than 5% of the country’s banks have received this many consecutive “5-Star” ratings said Karen Dorway, spokesman for BauerFinancial.

For more information, please visit BauerFinancial.com on the web. Stars ratings are presented by bank and by state. Detailed BauerFiancial reports on individual banks and credit unions are available for a fee.

The theme for the 2009 calendar is “Where in the world is Clicker”. Click here for more details.

• Always
protect your ATM card and keep it in a safe place, just like you would cash, credit cards or checks.

• Do
not leave your ATM card lying around the house or on your desk at work. No one should have access to the card but you. Immediately notify your bank if it is lost or stolen.

• Keep
your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM card.

• Never
give any information about your ATM card or PIN over the telephone. For example, if you receive a call, supposedly from your bank or possibly the police, wanting to verify your PIN, do not give that information. Notify the police immediately.

• Be
aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.

• Have
your ATM card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.

• Be
careful that no one can see you enter your PIN at the ATM. Use your body to "shield" the ATM keyboard as you enter your PIN into the ATM.

• To
keep your account information confidential, always take your receipts or transaction records with you.

• Do
not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.

• If
you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.

• Park
close to the ATM in a well-lighted area.

• Take
another person with you, if at all possible.

• If
the lights at the ATM are not working, don't use it.

• If
shrubbery has overgrown or a tree blocks the view, select another ATM and notify your bank.