Reach higher with an interest-earning account at Citizens Bank.

Here at Citizens, we offer our customers a wide range of accounts and investment vehicles with competitive interest rates – so you can meet your savings goals sooner. With our convenient, easy-to-use digital banking tools, you can track your progress from anywhere, anytime. And, our friendly local team members are always delighted to provide assistance or answer any questions you have.

Open an Account Online in Minutes

Whether you’re a new or existing customer, it’s easy to open an interest-bearing account of your choice. Or, feel free to stop by a nearby branch and speak to one of our friendly team members.

Checking & Savings

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 MINIMUM BALANCE APY1
WOW Rate E-Checking


$0 - $25,000.00
2.00%

$25,000.01+ 0.88 - 2.00% 4

If qualifications are not met 3  0.05%
Reward Interest Checking 5


$500,000.00 + 
0.50%

$200,000.00 - $499,999.99
0.42%

$50,000 - $199,999.99
0.35%

$25,000.00 - $49,999.99
0.28%

$10,000 - $24,999.99
0.22%

$0 - $9,999.99
0.10%
Citizens Preferred Money Fund 5 



$500,000+
3.75%

$250,000.00 - $499,999.99
3.30%

$100,000.00 - $249,999.99
3.30%

$50,000.00 - $99,999.99
2.00%

$25,000.00 - $49,999.99
1.50%

$10,000.00 - $24,999.99
1.00%

$2,500.00 - $9,999.99
0.50%

$0 - $2,499.99
0%
EZ Savings



$100
0.30%
HSA 5 - Family & Individual



$0 - $999.99
0.10%

$1,000.00 - $4,999.99
0.20%

$5,000.00 - $9,999.99
0.30%

$10,000.00 +
0.35%



CDs & IRAs

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Term
Minimum to Open/Obtain APY2 APY 2
60 Months
$2,500.00
3.50%
48 Months
$2,500.00
3.50%
36 Months
$2,500.00
3.50%
30 Months $2,500.00
3.75%
24 Months
$2,500.00
3.80%
18 Months
$2,500.00
3.85%
12 Months
$2,500.00 
4.15%
7 Months
$2,500.00
4.60%
6 Months
$2,500.00
2.00%

1 Rates are variable and subject to change. Annual Percentage Yield (APY) effective November 1, 2024. Fees May Reduce Earnings. APY's are not available to brokers, institutional investors or public funds. 


2 Annual Percentage Yield (APY) effective November 1, 2024. Fees May Reduce Earnings.  Penalties for early withdrawal may apply. Terms and rates available for a limited time. APY's are not available to brokers, institutional investors or public funds.


3 To qualify for the WOW Rate E-Checking rate and to be reimbursed for non-Citizens Bank ATM transactions, you must meet the following requirements each statement cycle: (1) Make 12 check card transactions per statement cycle, ATM transactions are excluded (transactions must post to and clear the account during the statement cycle to meet 12 transactions requirement). (2) Receive your monthly statement electronically. $7 monthly fee waived with eStatement. Bank-By-Net Online Banking required for eStatements. (3) Have at least one monthly direct deposit or ACH each statement cycle (direct deposits and ACH deposits must post and clear the account during the statement cycle). Minimum balance to open is $25. No minimum monthly balance to maintain. At our discretion, we may change the qualification requirements and/or the balance tier on your account at any time. A 30-day notice will be provided for either of these two changes. Rates are variable and subject to change.

4If your daily balance is $25,000 or less, the interest rate paid on the entire balance will be 1.986% with an annual percentage yield of 2.00%.  An interest rate of .50% will be paid only for that portion of your daily balance that is greater than $25,000.  The annual percentage yield for this tier will range from .88% to 2.00%, depending on the balance in the account.  If qualifications are not met, the interest rate paid on the entire balance will be .05% with an annual percentage yield of .05%.

5 Minimum opening balance-$100.00