Personal Account Rates
The Annual Percentage Yield (APY) is accurate as of January 19, 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
|
.10% / .10%
|
| $1,000 |
$100,000 - $249,999.99
|
.15% / .15%
|
| $1,000 |
$250,000 +
|
.20% / .20%
|
Savings Accounts
| Account Type |
Minimum Deposit to Open |
Minimum Balance to Obtain APY |
Interest Rate & APY |
|---|---|---|---|
| Statement Savings* | $100 | $100 | .15% / .15% |
| 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.