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	0.05% **	0.05% *
$2,500	0.05% **	0.05% *
$5,000	0.10% **	0.10% *

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	1.00% **	1.00% *
	$25,000	0.10% **	0.10% *

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

Money Market

Minimum to Earn APY*	Dividend Rate	APY*
$2,500	0.10% **	0.10% *

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

Investment

Minimum to Earn APY*	Dividend Rate	APY*
$10,000	0.10% **	0.10% *
$25,000	0.15% **	0.15% *
$50,000	0.20% **	0.20% *
$100,000	0.25% **	0.25% *
$250,000	0.30% **	0.30% *

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

Shares Truth in Savings Disclosures