Citizens Access and Citizens Bank, N.A., are treated as the same entity for the purpose of calculating FDIC insurance limits and deposits, under the FDIC certificate #57957.The National Average APY and other competitor APY rate information, based on comparable deposit products (all APYs are applicable for a balance tier equal to $5,000), as.


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.

Schedule of Fees. See your Citizens Bank & Trust representative for current rates. 1 Fees may reduce earnings. Hours Monday-Thursday: 9:00am - 4:00pm Friday: 9:00am - 5:00pm Sat: 9:00am - 12:00pm.


View all interest rates for checking, savings, HSA and IRA accounts, along with CD rates at Citizens Bank Minnesota. If you are saving for a short-term goal, our 10-Month CD provides the guarantee of a fixed rate for the length of your term, as well as the advantage of better rates for our Platinum and Platinum.

Checking Accounts

WooHoo! Checking

Minimum Balance to Obtain APY*APY*Compound FrequencyInterest Rate
Up to $14,999.990.75%Monthly0.75%
$15,000 and up0.05% Monthly0.05%
If qualifications aren't met0.025%Monthly0.025%

Easy Interest Checking

Minimum Balance to Obtain APY*APY*Compound FrequencyInterest 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 above0.05%
Monthly
0.05%

WooHoo! Business Checking

Minimum Balance to Obtain APY*APY*Compound FrequencyInterest Rate
Up to $14,999.99
0.10%Monthly0.10%
$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 met0.05%Monthly
0.05%
Citizens Bank Cd Rates

Savings Accounts

WooHoo! U

Minimum Balance to Obtain APY*APY*Compound FrequencyInterest Rate
$0.01 - $4,999.99
1.00%Monthly1.00%
$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 FrequencyInterest Rate
$100,000 - and up
0.40%Monthly0.40%
$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 FrequencyInterest Rate
$0.01 - $99.99
No interest paidN/ANo interest paid
$100.00 and above
0.05%Monthly0.05%

Investment Savings

Citizens Bank Cd Rates Pa

Minimum Balance to Obtain APY*APY*Compound FrequencyInterest Rate
$1,000.00 - $14,999.99
0.10%Monthly0.10%
$15,000.00 - $49,999.99
0.10%Monthly0.10%
$50,000.00 - $99,999.99
0.10%Monthly0.10%
$100,000.00 and above
0.10%Monthly

Health Savings Account

Minimum Balance to Obtain APY*APY*Compound FrequencyInterest Rate
$0.01 - $49,999.99
1.00%Monthly1.00%
$5,000 - $9,999.99
1.00%
Monthly
1.00%
$10,000.00 and above
1.00%
Monthly
1.00%

Special Certificates of Deposit

($2,500 minimum)
TermAPY*Compound FrequencyInterest Rate
15 month0.50%Quarterly0.50%
23 month0.60%Quarterly0.60%

Special IRA Certificates of Deposit

($2,500 minimum)
TermAPY*Compound FrequencyInterest Rates
60 month0.70%Quarterly0.70%

CDs


Citizen Bank Cd Rates Today

TermAPY*Compound FrequencyInterest Rate
3 month
0.10%Quarterly0.10%
6 month
0.15%Semi-Annual0.15%
12 month
0.20%Quarterly
0.20%
18 month
0.25%Quarterly
0.25%
24 month
0.35%Quarterly
0.35%
30 month0.45%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 month0.80%Quarterly
0.80%
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