Product Rates

AS OF NOVEMBER 18, 2013

How can I open a new account?
Open an account at your nearest branch

Certificates of Deposit (Minimum Balance $500)

TERM          INTEREST RATE ANNUAL PERCENTAGE YIELD IRA INTEREST RATE IRA ANNUAL PERCENTAGE YIELD
30 Days 0.10% 0.10% N/A N/A
90 Days 0.10% 0.10% N/A N/A
180 Days 0.15% 0.15% 0.15% 0.15%
1 Year 0.30% 0.30% 0.30% 0.30%
2 Years 0.499% 0.50% 0.499% 0.50%
3 Years 0.698% 0.70% 0.698% 0.70%
4 Years 0.797% 0.80% 0.797% 0.80%
5 Years 0.995% 1.00% 0.995% 1.00%
 Penalty for early withdrawal.

 

Personal Money Market

Balance INTEREST RATE ANNUAL PERCENTAGE YIELD
Under $10,000 0.20% 0.20%
Over $10,000 0.20% 0.20%
Over $100,000 0.30% 0.30%
 
$100 minimum opening deposit
Fees could reduce earnings
Rates subject to change

 

Citizens Money Market

Balance INTEREST RATE ANNUAL PERCENTAGE YIELD
Under $500,000 0.35% 0.35%
Over $500,000 0.395% 0.40%
 
$2,500 minimum opening deposit
Fees could reduce earnings
Rates subject to change

 

Commercial Money Market

Balance INTEREST RATE ANNUAL PERCENTAGE YIELD
Under $25,000 0.20% 0.20%
Over $25,000 0.20% 0.20%
Over $100,000 0.35% 0.35%
Over 1,000,000 0.395% 0.40%
 
$2,500 minimum opening deposit
Fees could reduce earnings
Rates subject to change

 

Interest Bearing Checking and Savings

 Account Type INTEREST RATE ANNUAL PERCENTAGE YIELD

Citizens Checking

     $500 minimum opening deposit
0.10% 0.10%

Interest Checking

     $100 minimum opening deposit
0.10% 0.10%

Savings

     $100 or greater balance required to earn interest
0.15% 0.15%
 
Fees could reduce earnings
Rates subject to change

 

Safe Deposit Box Rates

Class Size Cost
001 3 X 5 $20.00
002 3 X 10 $30.00
003 5 X 10 $45.00
004 7 X 10 $60.00
005 10 X 10 $70.00