Current Rates Effective as of .


Interest Bearing Checking Accounts
Description
Interest Rate
Annual Percentage Yield
NOW Account
.15%
.15%
Citizens Premier
.15%
.15%
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Money Market Investment Accounts
Description
Interest Rate
Annual Percentage Yield
MMIA > $1,000,000
1.20%
1.21%
MMIA $500,000 < $999,999.99
1.20%
1.21%
MMIA $100,000 < $499,999.99
1.15%
1.16%
MMIA $50,000 < $99,999.99
1.05%
1.06%
MMIA $25,000 < $49,999.99
.95%
.95%
MMIA $10,000 < $24,999.99
.85%
.85%
MMIA < 10,000
.65%
.65%
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Savings Accounts
Description
Interest Rate
Annual Percentage Yield
Regular Savings
.35%
.35%
Penny The Pig (Children's Club)
.35%
.35%
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Certificates of Deposit
Description
Interest Rate
Annual Percentage Yield
Jumbo Interest Rate
Annual Percentage Yield
91 Day CD
.85%
.85%
.85%
.85%
182 Day CD
1.25%
1.25%
1.25%
1.25%
12 Month CD
1.59%
1.59%
1.59%
1.59%
24 Month CD
2.04%
2.04%
2.04%
2.04%
36 Month CD
2.25%
2.25%
2.25%
2.25%
48 Month CD
2.50%
2.50%
2.50%
2.50%
60 Month CD
2.80%
2.80%
2.80%
2.80%
11, 15, 18 and 20 month terms also available
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Individual Retirement Accounts
Description
Interest Rate
Annual Percentage Yield
91 Day IRA < 100
.85%
.85%
182 Day IRA < 100
1.25%
1.25%
12 Month IRA < 100
1.59%
1.60%
24 Month IRA < 100
2.04%
2.06%
36 Month IRA < 100
2.25%
2.27%
48 Month IRA < 100
2.50%
2.50%
60 Month IRA < 100
2.80%
2.83%
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Rates are subject to change. Minimum amount required to open and to obtain APY 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 $250. Fees can reduce earnings. Penalty imposed for early withdrawal on Certificates of Deposits.

*Rates may change after accounts are opened for Now Checking Citizens Premier, Money Market, Regular Savings, and Penny The Pig Children's Savings.
 
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