Citizens Bank Deposit Account Interest Rates

As of November 13, 2019

Type of Deposit Minimum Opening Deposit Minimum Balance to Earn APY Effective Date Interest Rate Annual Percentage Yield (APY)
Checking Accounts*
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
10/1/19
11/13/19
0.05%
0.50%
0.05%
0.50%
Savings Accounts*
Regular Savings $25 $0 - $14,999
$15,000 - $49,999
$50,000 and over

10/1/19
11/13/19
11/13/19

0.05%
0.08%
0.10%
0.05%
0.08%
0.10%
Junior Savers $5 $0 - $14,999
$15,000 - $49,999
$50,000 and over
10/1/19
11/13/19
11/13/19
0.05%
0.08%
0.10%
0.05%
0.08%
0.10%
           
Money Market Accounts*
Money Market Savings $50 $0-$14,999
$15,000-$49,999
$50,000 and over
10/1/19
11/13/19
11/13/19
0.01%
0.03%
0.08%
0.01%
0.03%
0.18%
Premium Rate Plus Savings
Premium Rate Savings***
$1,000 $0-$14,999
$15,000-$49,999
$50,000-$99,999
$100,000 and over
8/6/19
10/1/19
11/13/19
11/13/19
0.02%
0.05%
0.10%
0.15%
0.02%
0.05%
0.10%
0.15%
Municipal and Public Interest Accounts*
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
7/2/18
7/2/18
0.03%
0.08%
0.03%
0.08%
Municipal Premium Rate Savings $1,000 $0-$249,999
$250,000 and over
7/2/18
7/2/18
0.10%
0.15%
0.10%
0.15%
Individual Retirement Accounts**
IRA -- 6 months $100 None 7/2/18 0.42% 0.42%
IRA -- 12 months $100 None 7/2/18 0.67% 0.67%
IRA -- 18 months (variable rate)* $50 None 11/1/19 1.60% 1.82%
IRA -- 24 months $100 None 7/2/18 0.83% 0.83%
IRA -- 30 months $100 None 7/2/18 0.94% 0.94%
IRA -- 36 months $100 None 7/2/18 0.94% 0.94%
IRA -- 60 months $500 None 7/2/18 1.13% 1.13%
IRA -- 84 months $500 None 7/2/18 1.40% 1.41%
Certificates of Deposit**
CD -- 91 days $500 None 7/2/18 0.25% 0.25%
CD -- 182 days $500 None 7/2/18 0.42% 0.42%
CD -- 12 months $500 None 7/2/18 0.67% 0.67%
CD -- 18 months $500 None 7/2/18 0.83% 0.83%
CD -- 24 months $500 None 7/2/18 0.83% 0.83%
CD -- 30 months $500 None 7/2/18 0.94% 0.94%
CD -- 36 months $500 None 7/2/18 0.94% 0.94%
CD -- 48 months $500 None 7/2/18 1.08% 1.09%
CD -- 60 months $500 None 7/2/18 1.13% 1.14%
CDARS -- 4 weeks $10,000 None 7/2/18 0.21% 0.21%
CDARS -- 13 weeks $10,000 None 7/2/18 0.25% 0.25%
CDARS -- 26 weeks $10,000 None 7/2/18 0.42% 0.42%
CDARS -- 52 weeks $10,000 None 7/2/18 0.67% 0.67%
CDARS -- 104 weeks $10,000 None 7/2/18 0.83% 0.83%
CDARS -- 156 weeks $10,000 None 7/2/18 0.94% 0.94%
CDARS -- 260 weeks $10,000 None 7/2/18 1.13% 1.14%
Sweep Account*
National Prime
Business Checking II Earnings Credit Factor*
11/13/19
9/19/19
2/7/13
0.75%
5.00%
0.02%
0.75%

 

*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.

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  • 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.

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