DEPOSIT RATES

Our Deposit Accounts and Rates are available to FIT YOUR LIFESTYLE!

Deposit rates are effective as of 03/19/2018  

  Good for you if: Term Annual Percentage Yield (APY) Opening Minimum Balance  
Certificate of Deposit (CD) You want a fixed rate and the flexibility of choosing your own term 30 days to 5 years 0.10% - 2.25%* $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 1.15% - 2.25%* $2,500 Click Here to Learn More
Savings You want a low minimum opening balance and required minimum with the flexibility of withdrawing without a penalty No specified term. 0.00% - 0.15%** $25-$100*** Click Here to Learn More
Checking You want more frequent access to your funds but would like to earn interest as well No specified term 0.00% - 0.05%** $1-$2,500*** Click Here to Learn More

*Dependent on term chosen.  A penalty may be imposed for withdrawals made before maturity.  Fees may reduce earnings.
**Dependent on balance and account chosen.
***Dependent on account chosen.


Certificates of Deposit

A variety of timeframes and competitive rates make our CDs right for you!

 

Current CD Terms Minimum To Earn Interest Interest Rate Annual Percentage Yield (APY)*
30 Day $2500 0.10% 0.10%
3 Months $2500 0.25% 0.25%
6 Months $2500 0.50% 0.50%
1 Year $2500 1.00% 1.01%
18 Months $2500 1.14% 1.15%
2 Years $2500 1.29% 1.30%
3 Years $2500 1.98% 2.00%
4 Years $2500 2.08% 2.10%
5 Years $2500 2.23% 2.25%

*A penalty may be imposed for withdrawals made before maturity.  Fees may reduce earnings.


17-Months CD Special*

Current IRA Terms Minimum To Earn Interest Interest Rate Annual Percentage Yield (APY)*
17 Months $10000 1.83% 1.85%**

*Limited time offering. This account has a 17-month term. **Annual Percentage Yield (APY) is accurate as of 03/19/2018 and applies to the initial term of a new CD. Minimum balance to open and obtain the stated APY is $10,000. A penalty may be imposed for early withdrawals before maturity and could reduce earnings on the account. A withdrawal request that would bring the balance of the CD to less than $10,000 will result in the closing of the CD.


Individual Retirement Accounts

IRAs for your long term savings needs. Make tax deferred investments to provide financial security when you retire.

 

Current IRA Terms Minimum To Earn Interest Interest Rate Annual Percentage Yield (APY)*
18 Month Variable IRA $2500 1.14% 1.15%
1 Year Fixed $2500 1.00% 1.01%
2 Year Fixed $2500 1.29% 1.30%
3 Year Fixed $2500 1.98% 2.00%
4 Year Fixed $2500 2.08% 2.10%
5 Year Fixed $2500 2.23% 2.25%

*A penalty may be imposed for withdrawals made before maturity.  Fees may reduce earnings.


Savings

Savings Accounts Tailored To Your Goals: Whether you are saving for your child’s education, buying a home or a long-overdue vacation… let Citizens First Bank help you reach those goals.

 

Citizens Advantage Money Market
Required Account Balance Minimum To Earn Interest Annual Percentage Yield (APY)*
Less than $2500 $2500 0.0%
$2500.00 - $9,999.99 $2500 0.05%
$10,000.00 - $24,999.99 $2500 0.05%
$25,000.00 - $49,999.99 $2500 0.05%
$50,000.00 - $99,999.99 $2500 0.10%
$100,000.00 & UP $2500 0.15%
Tiered Savings Account
Required Account Balance Minimum To Earn Interest Annual Percentage Yield (APY)*
$100.00 - $9,999.99 $100 0.05%
$10,000.00 - $24,999.99 $100 0.05%
$25,000.00 - $99,999.99 $100 0.05%
$100,000.00 & UP $100 0.10%
Youth Savings Account
Required Account Balance Minimum To Earn Interest Annual Percentage Yield (APY)*
$25.00 - UP $25 0.02%

Please click here for more information on our Savings Account Types.

*Rate may change after account is open.


Checking

Checking Accounts that provide you the flexibility of accessing your account on a more frequent basis while still saving for that little extra something!

 

Tiered NOW Account
Required Account Balance Minimum To Earn Interest Annual Percentage Yield (APY)*
$1,500.00 - $9,999.99 $1500 0.0%
$10,000.00 - $29,999.99 $1500 0.05%
$30,000.00 - $49,999.99 $1500 0.05%
$50,000.00 - UP $1500 0.05%
Senior Interest Checking
Required Account Balance Minimum To Earn Interest Annual Percentage Yield (APY)*
$1000.00 - UP $1000 0.05%

Please click here for more information on our Checking Account Types.

*Rate may change after account is open.