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Deposit Rates

Personal Account Rates

The Annual Percentage Yield (APY) is accurate as of June 11, 2021.
 

Checking Accounts



Elite Checking*

 
Minimum Deposit to Open Minimum Balance to Obtain APY
Interest Rate & APY
$2,500
$0.01 - $9,999.99
.05% / .05%
$2,500
$10,000 - $49,999.99
.05% / .05%
$2,500
$50,000 - $99,999.99
.05% / .05%
$2,500
$100,000 - $249,999.99
.05% / .05%
$2,500
$250,000 +
.10% / .10%

50+ Interest Checking*


Minimum Deposit to Open Minimum Balance to Obtain APY
Interest Rate & APY
$50 No minimum .05% / .05% 

Health Savings Account*


Minimum Deposit to Open Minimum Balance to Obtain APY
Interest Rate & APY
$50
$0.01 - $2,499.99
.05% / .05%
$50 
$2,500.00 - $4,999.99
.05% / .05%
$50 
$5,000.00 - $24,999.99
.05% / .05%
$50 
$25,000.00 +
.05% / .05%

Money Market


Citizens Money Market*


Minimum Deposit to Open
Minimum Balance to Obtain APY
Interest Rate & APY
$1,000
$0.01 - $9,999.99
.05% / .05%
$1,000
$10,000 - $49,999.99
.05% / .05%
$1,000
$50,000 - $99,999.99
.07% / .07%
$1,000
$100,000 - $249,999.99
.12% / .12%
$1,000
$250,000 +
.18% / .18%

Savings Accounts


Account Type
Minimum Deposit to Open
Minimum Balance to Obtain APY
Interest Rate & APY
Statement Savings* $100 $100 .10% / .10% 
Student Savings* $10 $25  .35% / .35%

Save Smart Savings*


Minimum Deposit to Open
Minimum Balance to Obtain APY
Interest Rate & APY
$5 $0.01 - $10,000.99  .35% / .35% 
$5
$10,001.00 +
.15% / .15%

Dollar Dog Kids Club*


Minimum Deposit to Open
Minimum Balance to Obtain APY
Interest Rate & APY
$10 $0.01 - $10,000.99
.35% / .35% 
$10
$10,001.00 +  
.15% / .15%

Certificates of Deposit**


Term of Certificate Minimum Deposit to Open
Interest Rate Annual Percentage Yield
3 Months $500
0.10%
0.10%
6 Months $500
0.10%
0.10%
12 Months $500
0.20%
0.20%
18 Months $500
0.25%
0.25%
24 Months $500
0.30%
0.30%
36 Months $500
0.40%
0.40%
48 Months $500
0.45%
0.45%
60 Months $500
0.55%
0.55%

Fees could reduce the earnings on the account.
*The interest rate and annual percentage yield (APY) may change after account opening.
**A penalty may be imposed for an early withdrawal.