Rates

Fees could reduce the earnings on the account.

Interest Rates and Annual Percentage Yields are current as of June 16, 2026.

Checking Accounts

Account Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
Citizens Direct Checking** $50.00 $0.01 0.15% 0.15%
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 - - 0.15% 0.15%
Daily balances of $1,000.00 and up - - 1.50% 1.51%

Savings Accounts

Account Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield  Interest Rate Annual Percentage Yield
Citizens Savings Account** $50.00 - 0.15% 0.15%
Lil Savers Account** $1.00 - 1.00% 1.00%
Christmas Club Account** - - 0.15% 0.15%
Health Savings Account** - - 0.15% 0.15%
 

Business Accounts

Account Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield  Interest Rate Annual Percentage Yield
Citizens Business  Interest Checking**  $50.00 $0.01 - -
Daily balances of up to $999.99 - - 0.15% 0.15%
Daily balances of $1,000.00 and up - - 1.50% 1.51%
 

CDs & IRAs

Account Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield  Interest Rate Annual Percentage Yield
18 Month IRA Certificate of Deposit $500.00 - 1.80% 1.81%
91 Day Certificate of Deposit* $500.00 $500.00 1.95% 1.96%
5 Month Certificate of Deposit* $500.00 $500.00 3.75% 3.81%
182 Day Certificate of Deposit* $500.00 $500.00 2.00% 2.02%
12 Month Certificate of Deposit* $500.00 $500.00 2.35% 2.37%
18 Month Certificate of Deposit* $500.00 $500.00 2.50% 2.52%
24 Month Certificate of Deposit* $500.00 $500.00 2.55% 2.57%
36 Month Certificate of Deposit* $500.00 $500.00 2.25% 2.27%
48 Month Certificate of Deposit* $500.00 $500.00 2.25% 2.27%
60 Month Certificate of Deposit* $500.00 $500.00 2.25% 2.27%

*A penalty may be imposed for early withdrawal.

**The interest rate and annual percentage yield may change after account opening.