Interest Rates (Rate) & APY*
Effective May 30, 2025
Subject to change
Rule Breaker CD's
*Annual Percentage Yields (APYs) effective as of 5/30/2025. Fees may reduce earnings. You may exercise your option to exchange your interest rate and APY one time during the term of the CD. 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.
| Type |
Minimum to Open & Earn Stated APY* | Interest Rate |
APY* |
|---|---|---|---|
|
10 Month Rule Breaker*
|
$10,000 | 4.19% | 4.24% |
| 20 Month Rule Breaker* | $10,000 | 4.10% |
4.14%
|
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 |
.61% 1.10% 1.60% 2.09% 2.58% |
.61%
1.11%
1.61%
2.11%
2.61%
|
| 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% |
*Annual Percentage Yields (APYs) effective as of 5/30/2025. Fees may reduce earnings. You may exercise your option to exchange your interest rate and
APY one time during the term of the CD. 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.
APY one time during the term of the CD. 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.
***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.