Rates

Product

 Minimum Opening Deposit

Minimum Balance to Obtain Annual Percentage Yield 

Interest Rate

Annual Percentage Yield

Citizens Direct Checking $50.00 $0.01 0.25% 0.25%
Citizens Classic Club Checking $50.00 $0.01  0.25%   0.25% 
Citizens Investment Checking $50.00 $0.01    
Daily balances of:        
up to $999.99     0.25% 0.25%
$1,000.00 and up     0.75% 0.75%
Citizens Savings Account** $50.00 $0.01 0.20% 0.20%

Lil Savers Account**

$1.00   0.20% 0.20%

Christmas Club Account **

    0.20% 0.20%

Health Savings Account**

    0.20% 0.20%

Citizens Business  Interest Checking

$50.00 $0.01    
up to $999.99     0.25% 0.25%
$1,000.00 and up     0.75% 0.75%

Citizens Business Savings Account

$50.00   0.20% 0.20%

18 Month IRA Certificate of Deposit

$500.00   2.15% 2.17%

3 Month Certificate of Deposit*

$500.00 $500.00 0.30% 0.30%

6 Month Certificate of Deposit*

$500.00 $500.00 0.55% 0.55%

12 Month Certificate of Deposit*

$500.00 $500.00 0.70% 0.70%

18 Month Certificate of Deposit*

$500.00 $500.00 0.80% 0.80%

24 Month Certificate of Deposit*

$500.00 $500.00 0.85% 0.85%

36 Month Certificate of Deposit*

$500.00 $500.00 0.95% 0.95%

48 Month Certificate of Deposit*

$500.00 $500.00 1.05% 1.05%

60 Month Certificate of Deposit*

$500.00 $500.00 1.19% 1.20%

*A penalty may be imposed for early withdrawal.
**The interest rate and annual percentage yield may change after account opening. 

Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of May 27, 2020.

 

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