Citizens Bank Deposit Account Interest Rates

As of November 22, 2024

Checking Accounts
Type of Deposit	Min. Opening Deposit	Min. Balance to Earn APY	Effective Date	Interest Rate	Annual Percentage Yield (APY)
Relationship Checking Interest Checking***	$50	$0 and over	10/1/19	0.01%	0.01%
Health Savings Account	$0	$0 - $2,499 $2,500 and over	1/24/23 1/24/23	0.10% 0.50%	0.10% 0.50%

Savings Accounts*
Type of Deposit	Min. Opening Deposit	Min. Balance to Earn APY	Effective Date	Interest Rate	Annual Percentage Yield (APY)
Regular Savings	$25	$0 - $14,999 $15,000 - $49,999 $50,000 and over	1/24/23 1/24/23 1/24/23	0.05% 0.25% 0.40%	0.05% 0.25% 0.40%
Junior Savers	$5	$0 - $14,999 $15,000 - $49,999 $50,000 and over	1/24/23 1/24/23 1/24/23	0.05% 0.25% 0.40%	0.05% 0.25% 0.40%

Money Market Accounts*
Type of Deposit	Min. Opening Deposit	Min. Balance to Earn APY	Effective Date	Interest Rate	Annual Percentage Yield (APY)
Money Market Savings	$50	$0-$14,999 $15,000-$49,999 $50,000 and over	1/24/23 1/24/23 1/24/23	0.05% 0.25% 0.40%	0.05% 0.25% 0.40%
Premium Rate Plus Savings Premium Rate Savings***	$1,000	$0-$14,999 $15,000-$49,999 $50,000-$99,999 $100,000 and over	1/24/23 1/24/23 1/24/23 1/24/23	0.05% 0.25% 0.40% 0.50%	0.05% 0.25% 0.40% 0.50%

Municipal and Public Interest Accounts*
Type of Deposit	Min. Opening Deposit	Min. Balance to Earn APY	Effective Date	Interest Rate	Annual Percentage Yield (APY)
IOLTA	$50	$0-$249,999 $250,000 and over	5/24/18 5/24/18	0.03% 0.03%	0.03% 0.03%
Municipal Premium Checking	$50	$0-$249,999 $250,000 and over	1/24/23 1/24/23	0.10% 0.25%	0.10% 0.25%
Municipal Premium Rate Savings	$1,000	$0-$249,999 $250,000 and over	1/24/23 1/24/23	0.25% 0.50%	0.25% 0.50%

Individual Retirement Accounts**
Type of Deposit	Min. Opening Deposit	Min. Balance to Earn APY	Effective Date	Interest Rate	Annual Percentage Yield (APY)
IRA -- 6 months	$100	None	1/24/23	0.50%	0.50%
IRA -- 12 months	$100	None	1/24/23	0.75%	0.75%
IRA -- 24 months	$100	None	1/24/23	1.50%	1.51%
IRA -- 30 months	$100	None	1/24/23	0.75%	0.75%
IRA -- 36 months	$100	None	1/24/23	0.75%	0.75%
IRA -- 60 months	$500	None	1/24/23	3.00%	3.03%
IRA -- 84 months	$500	None	3/1/21	0.55%	0.55%

Certificates of Deposit**
Type of Deposit	Min. Opening Deposit	Min. Balance to Earn APY	Effective Date	Interest Rate	Annual Percentage Yield (APY)
CD -- 91 days	$500	None	1/24/23	0.05%	0.05%
CD -- 182 days	$500	None	1/24/23	0.50%	0.50%
CD -- 12 months	$500	None	1/24/23	0.75%	0.75%
CD -- 18 months	$500	None	1/24/23	1.00%	1.00%
CD -- 24 months	$500	None	1/24/23	1.50%	1.51%
CD -- 30 months	$500	None	1/24/23	0.75%	0.75%
CD -- 36 months	$500	None	1/24/23	0.75%	0.75%
CD -- 48 months	$500	None	1/24/23	2.75%	2.78%
CD -- 60 months	$500	None	1/24/23	3.00%	3.04%
CDARS -- 4 weeks	$10,000	None	1/24/23	0.05%	0.05%
CDARS -- 13 weeks	$10,000	None	1/24/23	0.05%	0.05%
CDARS -- 26 weeks	$10,000	None	1/24/23	0.35%	0.35%
CDARS -- 52 weeks	$10,000	None	1/24/23	0.60%	0.60%
CDARS -- 104 weeks	$10,000	None	1/24/23	1.35%	1.36%
CDARS -- 156 weeks	$10,000	None	1/24/23	0.60%	0.60%
CDARS -- 260 weeks	$10,000	None	1/24/23	2.85%	2.89%

National Prime			11/21/24	7.75%
Business Checking II Earnings Credit Factor*			2/7/13	0.02%

*Rate may change after account is opened. Fees may reduce earning on account.

** Substantial interest penalties apply for early withdrawal of funds from Certificates of Deposits/IRA’s.

Member FDIC

Disputes
How to dispute debit card transactions
With a Roth IRA, you typically pay taxes on the money before you contribute to your IRA. This means you generally can make qualifying withdraws once you reach 59 1/2 years of age without paying additional taxes on the distributions.
A traditional IRA allows you to direct pre-tax income toward investments that can grow tax-deferred until your retirement. You cannot contribute after age 70 ½ and distribution is required at that age.