A personal Certificate of Deposit (CD) is an investment in which we, Citizens Business Bank, pay a particular rate for a specific term (days, months, or years). With a CD, you receive a fixed rate of return on your investment and have the flexibility to choose between a variety of customized options, including terms, rates. Compare the best fixed rate IRA CD rates from within 20 miles from your zip code. A fixed rate IRA CD offers tax-free or tax-deferred interest. View all interest rates for checking, savings, HSA and IRA accounts, along with CD rates at Citizens Bank Minnesota. Certificate of Deposit (CD) You want a fixed rate and the flexibility of choosing your own term: 30 days to 5 years: 0.10% - 0.70%. $2,500: Click Here to Learn More: Individual Retirement Account (IRA) You are looking to save for retirement or transfer funds from another IRA: 18 months to 5 years: 0.40% - 0.70%. $2,500: Click Here to Learn More. Apr 26, 2020 Overview of Citizens Bank CDs. Citizens Bank, headquartered in Rhode Island, is part of one of the largest financial institutions in the country. According to the bank’s website, its customers have access to more than 1,100 branches and 3,100 ATMs across 11 states.
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It’s never too early, or too late to start saving for the future. At Citizens State Bank, we can help whether you’re ready to start a savings account, looking for a premium savings option or want to plan for retirement. We’ll help you select the right savings plan to help achieve your dreams.
Savings Account
An everyday savings account with low minimum balances.
Premium Money Market
Competitive rates for larger balances.
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The perfect plan if you want a basic account with a low minimum balance.
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Maximize your savings with our highest yielding savings account.
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Manage your health care expenses with a no annual fee HSA. A debit card gives you easy and convenient access to your HSA funds.
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Certificate of Deposits
If you’d like great rates and great choices on a Certificate of Deposit (CD), look no further. You can select from a variety of CDs depending on your needs and goals. We have term length options from 10 months to five years. You can also select regular CDs and IRA CDs. Check out current rates here.
A Unique CD Option
You can get an adjustable rate CD that breaks all the rules. Our Rule Breaker CD lets you:
- Bump up your rate once during the term
- Withdraw up to 50% with no penalty
- Add to your CD
Talk to us about how to start a CD today! See our current rates for more information or contact us.
Rates are subject to change. Fees may reduce the earnings on the account. Penalties may be imposed for withdrawals from CD's prior to maturity.
Checking Accounts
WooHoo! Checking
| Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
|---|
| Up to $14,999.99 | 0.75% | Monthly | 0.75% |
| $15,000 and up | 0.05% | Monthly | 0.05% |
| If qualifications aren't met | 0.025% | Monthly | 0.025% |
Easy Interest Checking
| Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
|---|
$1,000.00 - $14,999.99
| 0.05%
| Monthly
| 0.05%
|
$15,000.00 - $49,999.99
| 0.05%
| Monthly
| 0.05%
|
$50,000.00 - $99,999.99
| 0.05%
| Monthly
| 0.05%
|
| $100,000.00 and above | 0.05%
| Monthly
| 0.05%
|
WooHoo! Business Checking
| Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
|---|
Up to $14,999.99
| 0.10% | Monthly | 0.10% |
$15,000.00 - $49,999.99
| 0.15% | Monthly
| 0.15% |
$50,000.00 - $99,999.99
| 0.20% | Monthly
| 0.20% |
$100,000 and up
| 0.30% | Monthly
| 0.30% |
| If qualifications aren't met | 0.05% | Monthly
| 0.05% |
Savings Accounts
WooHoo! U
| Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
|---|
$0.01 - $4,999.99
| 1.00% | Monthly | 1.00% |
$5,000.00 - $7,499.99
| 0.50% | Monthly
| 0.50% |
$7,500.00 and above
| 0.25% | Monthly
| 0.25% |
If qualifications aren't met
| 0.10% | Monthly
| 0.10% |
WooHoo! Savings
| Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
|---|
$100,000 - and up
| 0.40% | Monthly | 0.40% |
$50,000.00 - $99,999.99
| 0.30% | Monthly
| 0.30% |
$15,000 - $49,999.99
| 0.20% | Monthly
| 0.20% |
$0.01 - $14,999.99
| 0.10% | Monthly
| 0.10% |
If qualifications aren't met
| Monthly
| 0.05% |
Regular Savings
| Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
|---|
$0.01 - $99.99
| No interest paid | N/A | No interest paid |
$100.00 and above
| 0.05% | Monthly | 0.05% |
Investment Savings
| Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
|---|
$1,000.00 - $14,999.99
| 0.10% | Monthly | 0.10% |
$15,000.00 - $49,999.99
| 0.10% | Monthly | 0.10% |
$50,000.00 - $99,999.99
| 0.10% | Monthly | 0.10% |
$100,000.00 and above
| 0.10% | Monthly |
Health Savings Account
| Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
|---|
$0.01 - $49,999.99
| 1.00% | Monthly | 1.00% |
$5,000 - $9,999.99
| 1.00%
| Monthly
| 1.00%
|
$10,000.00 and above
| 1.00%
| Monthly
| 1.00% |
Special Certificates of Deposit
Citizens Bank Cd Rates Pa
($2,500 minimum)
| Term | APY* | Compound Frequency | Interest Rate |
|---|
| 15 month | 0.50% | Quarterly | 0.50% |
| 23 month | 0.60% | Quarterly | 0.60% |
Special IRA Certificates of Deposit
Citizens Bank Cd Rates
($2,500 minimum)
| Term | APY* | Compound Frequency | Interest Rates |
|---|
| 60 month | 0.70% | Quarterly | 0.70% |
CDs
Citizens Bank Cd Rates 2020
First Citizens Bank Cd Rates
| Term | APY* | Compound Frequency | Interest Rate |
|---|
3 month
| 0.10% | Quarterly | 0.10% |
6 month
| 0.15% | Semi-Annual | 0.15% |
12 month
| 0.20% | Quarterly
| 0.20% |
18 month
| 0.25% | Quarterly
| 0.25% |
24 month
| 0.35% | Quarterly
| 0.35% |
| 30 month | 0.45% | Quarterly
| 0.45% |
36 month
| 0.60% | Quarterly
| 0.60% |
48 month
| 0.65% | Quarterly
| 0.65% |
60 month
| 0.70% | Quarterly
| 0.70% |
| 96 month | 0.80% | Quarterly
| 0.80% |
