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.