Rates

Interest Rates (Rate) & APY* 

EFFECTIVE October 16, 2018

Subject to Change


Certificates of Deposit (CDs) - 2,3,& 5 year available as IRA's

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$500-$9,999.99
Interest Rate/APY*
$10,000-$49,999.99
Interest Rate/APY*
$50,000-$99.999.99
Interest Rate/APY*
$100,000-$249,999.99
Interest Rate/APY*
$250,000 or More
Interest Rate/APY*
1 Year**
.14/.14% .19/.19%
.24/.24% .34/.34% .44/.44%
2 Year**
.24/.24% .34/.34% .39/.39% .49/.49% .59/.59%
3 Year**
.34/.34% .64/.64% .64/.64% .78/.78% .94/94%
5 Year**
.44/.44% .84/.84% .84/.84% .94/.94% 1.04/1.04%


CD Specials

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Minimum
to Open

Interest Rate
APY*
15 Month** Limited Time 
$25,000
2.48% 2.50%
Rule Breaker CDs
(Variable Rate)***




10 Month**

$10,000

Without Active ~ Account
With Active ~ Account

1.39%
1.84%

1.40%
1.85%

20 Month**
$10,000 Without Active ~ Account
With Active ~ Account
1.64%
2.04%
1.65%
2.05%






Checking Accounts (Variable Rate)

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Minimum
to Open
Minimum Balance to
Earn Stated Interest Rate & APY*
Interest Rate
APY*
Citizens Elite
Club Checking ***
$0 $0-$2,499.99
$2,5000.00-$24,999.99
$25,000.00-$49,999.99
$50,000.00 or More
.07%
.18%
.25%
.35%
.07%
.18%
.25%
.35%
Premium Checking***
$0 $0-$19,999.99
$20,000.00-$49,999.99
$50,000.00-124,999.99
$125,000.00-$224,999.99
$225,000.00 or More
.05%
.19%
.29%
.46%
.56%
.05%
.19%
.29%
.46%
.56%
Premium Money Market***
$0 $0-$7,499
$7,500-$24,999.99
$25,000-$99,999.99
$100,000-$299,999.99
$300,000 or more
.08%
.95%
1.75%
1.95%
2.05%
.08%
.95%
1.76%
1.97%
2.07%


Savings Accounts (Variable Rate)

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Minimum
to Open
Minimum Balance to
Earn Stated Interest Rate & APY*
Interest Rate
APY*
Premium Savings***
$50 $0-$24,999.99
$25,000.00-$99,999.99
$100,000.00-$249,999.99
$250,000.00-$399,999.99
$400,000.00 or More
.08%
.27%
.34%
.49%
.59%
.08%
.27%
.34%
.49%
.59%
Regular Savings***
$50 No Minimum Balance .04% .04%
IRA Savings***
$50 No Minimum Balance .39% .39%
Health Savings Account***
$50 $0-$2,499.99
$2,500.00-$9,999.99
$10,000 or more
.09%
.49%
1.00%
.09%
.49%
1.00%


*Annual Percentage Yield

**SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL.

***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 APY* information please contact us .

~Active Account is defined as an account with a minimum of 1 deposit per month.