Current Rates Effective as of .


Interest Bearing Checking Accounts
Description
Current Rate
Annual Percentage Yield
NOW Account
.50%
.50%
Citizens Premier
.50%
.50%
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Money Market Investment Accounts
Description
Current Rate
Annual Percentage Yield
MMIA > $1,000,000
2.00%
2.02%
MMIA $500,000 < $999,999
1.90%
1.92%
MMIA $100,000 < $499,999
1.85%
1.86%
MMIA $50,000 < $99,999
1.80%
1.81%
MMIA $25,000 < $49,999
1.75%
1.76%
MMIA $10,000 < $24,999
1.50%
1.51%
MMIA < 10,000
1.25%
1.26%
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Savings Accounts
Description
Current Rate
Annual Percentage Yield
Savings
.75%
.75%
Penny The Pig (Children's Club)
.75%
.75%
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Certificates of Deposit
Description
Current Rate
Annual Percentage Yield
Jumbo Rate
Annual Percentage Yield
91 Day CD
2.50%
2.52%
2.75%
2.78%
182 Day CD
3.00%
3.02%
3.25%
3.28%
12 Month CD
3.25%
3.25%
3.50%
3.50%
24 Month CD
3.50%
3.50%
3.75%
3.75%
36 Month CD
3.75%
3.75%
4.00%
4.00%
48 Month CD
3.85%
3.85%
4.10%
4.10%
60 Month CD
4.00%
4.00%
4.25%
4.25%
11, 15, 18 and 20 month terms also available
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Individual Retirement Accounts
Description
Current Rate
Annual Percentage Yield
91 Day IRA < 100
2.75%
2.78%
182 Day IRA < 100
3.25%
3.29%
12 Month IRA < 100
3.50%
3.55%
24 Month IRA < 100
3.75%
3.80%
36 Month IRA < 100
4.00%
4.06%
48 Month IRA < 100
4.10%
4.16%
60 Month IRA < 100
4.25%
4.32%
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Rates are subject to change. Minimum amount required to open Personal Checking, Student Checking, Citizens Premier Checking, Citizens Classic Checking, Business Checking, Business Savings, and Regular Savings accounts is $50. Minimum amount required to open NOW checking is $750. Minimum amount required to open Penny the Pig Children’s Savings is $10. Minimum amount required to open Money Market and Business Money Market is $1,000. Minimum amount required to open Certificates of Deposits with a term of less than 12 months is $2,500. Minimum amount required to open Certificates of Deposits with a term of 12 months and longer is $500. Minimum amount required to open an Individual Retirement Account is $500. Fees can reduce earnings. Penalty imposed for early withdrawal on Certificates of Deposits.
 
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