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Citizens Bank
Online Banking
Rates effective as of January 10, 2023.

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 1.00% 1.00%
Tier 2 $1,000 $25,000 - $99,999.99 1.00% 1.00%
Tier 3 $1,000 $100,000 - $299,999.99 1.00% 1.00%
Tier 4 $1,000 
 $300,000 - $499,999.99 1.24% 1.25%
Tier 5 $1,000 
 $500,000 and over 1.49% 1.50%

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
 3.45% 3.51%
26 Month SPECIAL
$50,000
 4.03% 4.11%
Flexible Add-On (6-12 month terms) $250 0.40% 0.40%
1 Year
$1,000
0.60%
0.60%
2 Year
$1,000
0.70%
0.70%
3 Year
$1,000
1.05%
1.05%
4 Year
$1,000
1.14%
1.15%
5 Year
$1,000
1.24%
1.25%

Individual Retirement Account (IRA)

Account Type Minimum Deposit to Open
 Interest Rate 
 APY*
Fixed Rate 6 Month $100 0.65% 0.65%
Fixed Rate 1 Year
 $100 
 0.85% 0.85%
Fixed Rate 2 Year
 $100 
 0.95% 0.95%
Fixed Rate 3 Year
 $100 
 1.05%
 1.05%
Fixed Rate 4 Year
 $100 
 1.14% 1.15%

 

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 0.20% 0.20%
Tier 2
 $100 
 $25,000 - $99,999.99 0.75%
 0.75%
Tier 3
 $100 
 $100,000 - $299,999.99 1.00% 1.00%
Tier 4
 $100 
 $300,000 - $499,999.99 1.24% 1.25%
Tier 5
 $100 
 $500,000 and over 1.49% 1.50%
*APY = Annual Percentage Yield
Fees may reduce earnings.
 
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