Certificate Rates

Citizens offers a large selection of Certificates, with competitive rates, for both the small and large.

Certificate Account Types	Dividend Rate	APY	Minimum to Open
I32 – 6 month	0.10%	0.10%	$5,000
I33 – 12 month	0.15%	0.15%	$5,000
I34 – 24 month	0.20%	0.20%	$5,000
I35 – 36 month	0.25%	0.25%	$5,000
I42 – 6 month	0.25%	0.25%	$50,000
I43 – 12 month	0.35%	0.35%	$50,000
I45 – 24 month	0.40%	0.40%	$50,000
I47 – 36 month	0.50%	0.50%	$50,000
I62 – 6 month	0.25%	0.25%	$90,000
I63 – 12 month	0.35%	0.35%	$90,000
I65 – 24 month	0.40%	0.40%	$90,000
I67 – 36 month	0.50%	0.50%	$90,000
I69 – 60 month	0.65%	0.65%	$90,000