Interest Rates (Rate) & Annual Percentage Yield (APY)
Effective June 1, 2026
Subject to change
| Type | Minimum to Open | Interest Rate | APY* |
|---|---|---|---|
| 10 Month Rule Breaker* | $10,000 | 3.42% | 3.45% |
| 20 Month Rule Breaker* | $10,000 | 3.81% |
3.85%
|
Personal Checking Accounts (Variable Rate)
| Type | Minimum to Open | Minimum Balance to Earn Stated Interest Rate & APY* | Interest Rate | APY* |
|---|---|---|---|---|
| Premium Interest Checking*** | $0 | $0-$1,499.99 $1,500.00 or more |
.04% .29% |
.04% .29% |
| 50+ Checking*** | $0 | No Minimum Balance | .24% | .24% |
Business Checking Accounts (Variable Rate)
| Business Interest Checking*** | $0 | No Minimum Balance | .51% | .51% |
Savings Accounts (Variable Rate)
| Citizens Select Money Market*** | $0 | $0-$24,999.99 $25,000.00-$99,999.99 $100,000.00-$249,999.99 $250,000.00-$499,999.99 $500,000.00 or more |
.21% .56% 1.01% 1.44% 1.89% |
.21%
.56%
1.01%
1.45%
1.91%
|
| Savings*** | $0 | No Minimum Balance | .04% | .04% |
| Health Savings Account*** | $0 | $0-$2,499.99 $2,500.00-$9,999.99 $10,000 or more |
.54% 1.07% 1.17% |
54% 1.07% 1.17% |
| IRA Savings*** | $0 | No Minimum Balance | .19% | .19% |
**Fees may reduce earnings. You may exercise your option to exchange your interest rate and APY one time during the term of the Certificate of Deposit. Minimum opening deposit of $10,000 required. Penalty for early withdrawal may apply. You have the option to withdraw up to 50% of the opening deposit of the CD without penalty; however, a CD penalty will apply if the withdrawal is taken within the first week after opening or a deposit is made or within six days after a partial withdrawal. You may also make deposits into your CD up to the original amount of the CD up to $25,000. Minimum amount of additional deposit is $1,000. Annual Percentage Yields (APYs) effective as of 06/01/2026. Member FDIC.
***Interest rate may change after account has been opened.
Fees could reduce earnings.
See an account representative for additional information about the fees and terms applicable to an advertised account.
For current interest rate and *Annual Percentage Yield information please contact us.