Interest Rates (Rate) & Annual Percentage Yield (APY)
Effective August 10, 2026
Subject to change
| Type | Minimum to Open | Interest Rate | APY* |
|---|---|---|---|
| 15 Month CD Special | $10,000 | 3.575% | 3.61% |
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. Minimum opening deposit of $10,000 required. Penalty for early withdrawal may apply. Annual Percentage Yields (APYs) effective as of 08/10/2026. 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.