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Online Banking
Rates effective as of November 10, 2022.

Checking Accounts

Account Type Minimum Deposit to Open Minimum Balance to Earn APY Interest Rate APY*
Advantage Checking $50 N/A N/A N/A
Advantage Plus Checking $1,000 $1,000 0.02% 0.02%
Smart Start Checking $50 N/A N/A N/A
Cash Back Checking $50 $1,000 0.02% 0.02%

Classic Money Market Account

Rate Tier Minimum Deposit to Open Minimum Balance to Earn APY Interest Rate APY*
Tier 1 $1,000 $0.01 - $24,999.99 0.15% 0.15%
Tier 2 $1,000 $25,000 - $99,999.99 0.45% 0.45%
Tier 3 $1,000 $100,000 - $299,999.99 0.60% 0.60%
Tier 4 $1,000 
$300,000 - $499,999.99 0.75% 0.75%
Tier 5 $1,000 
$500,000 and over 1.00% 1.00%

Savings Accounts

Account Type Minimum Deposit to Open Minimum Balance to Earn APY Interest Rate APY*
Advantage Savings Tier 1 $100 $0.01 - $4,999.99 0.03% 0.03%
Advantage Savings Tier 2
$100 $5,000 and over 0.03% 0.03%
Ca$h Savings Club $10 $0.01 0.03%
0.03%

Certificates of Deposit (CDs)

Account Type Minimum Balance Interest Rate APY*
14 Month SPECIAL
$10,000
2.96% 3.00%
26 Month SPECIAL
$100,000
(New Money Only)
3.93% 4.00%
Flexible Add-On (6-12 month terms) $250 0.30% 0.30%
1 Year
$1,000
0.40%
0.40%
2 Year
$1,000
0.50%
0.50%
3 Year
$1,000
0.60%
0.60%
4 Year
$1,000
0.70%
0.70%
5 Year
$1,000
0.80%
0.80%

Individual Retirement Account (IRA)

Account Type Minimum Deposit to Open
Interest Rate 
APY*
Fixed Rate 6 Month $100 0.30% 0.30%
Fixed Rate 1 Year
$100 
0.40% 0.40%
Fixed Rate 2 Year
$100 
0.50% 0.50%
Fixed Rate 3 Year
$100 
0.60%
0.60%
Fixed Rate 4 Year
$100 
0.70% 0.70%

 

Health Savings Account (HSA)

Rate Tier Minimum Deposit to Open
Minimum Balance to Earn APY
Interest Rate 
APY*
Tier 1 $100 $0.01 - $24,999.99 0.15% 0.15%
Tier 2
$100 
$25,000 - $99,999.99 0.45%
0.45%
Tier 3
$100 
$100,000 - $299,999.99 0.60% 0.60%
Tier 4
$100 
$300,000 - $499,999.99 0.75% 0.75%
Tier 5
$100 
$500,000 and over 1.00% 1.00%
*APY = Annual Percentage Yield
Fees may reduce earnings.
 
New money is defined as deposits not previously held by Citizens Bank.
 
Checking, Savings, Money Markets & HSAs:
  • Rates may change at any time
CDs & IRAs:
  • A penalty will be imposed for early withdrawal
  • Rates are subject to change at maturity