Rates

Lending

Whether you want to purchase a new or pre-owned vehicle, or need money for an unexpected situation, Citizens has a variety of loan products to meet your needs.

Loan Type Term Annual Percentage Rate (APR)
Vehicle
2009 – 2018 Vehicles (less than 3/4 ton) 72 months as low as 3.24%
Signature Loans
Above $2,000 48 months as low as 8.24%
Share Secured Loans
48 months 9.00%
Certificate Secured Loans
Over $5,000 Certificate Rate + 2.00%
Up to $4,999 Certificate Rate + 4.00%

Truth in Lending Disclosures

Checking Savings

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.

Account Type & Description Dividend Rate APY* Dividends Compounded & Credited Minimum to Open Minimum to Earn APY*
S1 Regular Shares 0.00% 0.00% Quarterly $5.00 N/A
0.15% 0.15% $50.00
0.15% 0.15% $2,500
0.25% 0.25% $5,000
 S8 Regular Checking 0.00% 0.00% N/A $100.00 N/A
S18 Checking Plus 0.00% 0.00% N/A $100.00 N/A
S28 Direct Deposit Checking  2.22% 2.25% Monthly $25.00 $0
0.25% 0.25% $25,000
S9 Money Market 0.25% 0.25% Monthly $2,500 $2,500
S12 Investment 0.25% 0.25% Monthly $10,000 $10,000
0.35% 0.35% $25,000
0.45% 0.45% $50,000
0.50% 0.50% $100,000
0.70% 0.70% $250,000

*APY = Annual Percentage Yield

Shares Truth in Savings Disclosures

Certificates

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  0.25%  0.25%  $5,000
 I33 – 12 month 0.30% 0.30% $5,000
 I34 – 24 month  0.35% 0.35%  $5,000
 I35 – 36 month 0.40% 0.40%  $5,000
 I42 – 6 month 0.65%  0.65% $50,000
 I43 – 12 month 0.70%  0.70% $50,000
 I45 – 24 month  0.75% 0.75% $50,000
 I47 – 36 month 0.80%  0.80% $50,000
 I62 – 6 month  0.65% 0.65% $90,000
 I63 – 12 month 0.70% 0.70% $90,000
 I65 – 24 month 0.75% 0.75% $90,000
 I67 – 36 month 0.80% 0.80% $90,000
 I69 – 60 month 1.00% 1.00% $90,000

Share Certificate Truth in Savings Disclosures

IRA & Health Savings

Citizens has a selection of accounts to help you prepare for the future.

The more you deposit, the higher the rate.

Account
Types
Dividend
Rates
 APY Dividends Compounded &
Credited
 Minimum To
Open
 Minimum To
Earn APY
 S70 IRA Investment  0.45%  0.45%  Quarterly  $250  $250
0.50% 0.50% Quarterly $250 $10,000
0.55% 0.55% Quarterly $250 $50,000
 0.60% 0.60% Quarterly $250  $90,000
S71 Roth IRA 0.45% 0.45% Quarterly $250 $250
0.50% 0.50% Quarterly $250 $10,000
0.55% 0.55% Quarterly $250 $50,000
0.60% 0.60% Quarterly $250 $90,000
S75 Health Savings 0.45% 0.45% Quarterly $250 $250
0.50% 0.50% Quarterly $250 $10,000
0.55% 0.55% Quarterly $250 $50,000
0.60% 0.60% Quarterly $250 $90,000

Shares Truth in Savings Disclosures