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Checking & Savings Rates

Citizens offers three types of checking accounts. Choose the one that best fit your lifestyle. We also offer share, money market and investments accounts to help you save.

Regular Shares
Minimum to Earn APY* Dividend Rate APY*
N/A 0.00% ** 0.00% *
$50.00 0.15% ** 0.15% *
$2,500 0.15% ** 0.15% *
$5,000 0.25% ** 0.25% *

Minimum to Open $5.00*
Dividends Compounded & Credited Quarterly **


Checking
Account Type Minimum to Earn APY* Dividend Rate APY*
Regular Checking N/A 0.0% 0.0%
Checking Plus N/A 0.0% 0.0%
Direct Deposit Checking $0 2.22% ** 2.25% *
$25,000 0.25% ** 0.25% *

Minimum to Open $25.00*
Dividends Compounded & Credited Monthly**


Money Market
Minimum to Earn APY* Dividend Rate APY*
$2,500 0.25% ** 0.25% *

Minimum to Open $2,500*
Dividends Compounded & Credited Monthly**


Investment
Minimum to Earn APY* Dividend Rate APY*
$10,000 0.25% ** 0.25% *
$25,000 0.35% ** 0.35% *
$50,000 0.45% ** 0.45% *
$100,000 0.50% ** 0.50% *
$250,000 0.70% ** 0.70% *

Minimum to Open $10,000*
Dividends Compounded & Credited Monthly**

Shares Truth in Savings Disclosures