Rates
Rates effective as of 1/8/2020
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.
*Annual Percentage Yield
Checking Accounts
| Account | Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
| WooHoo! Checking | Up to $14,999.99 Over $15,000 If qualifications aren't met |
2.02% 0.10% 0.05% |
Monthly Monthly Monthly |
2.00 % 0.10 % 0.05% |
| Easy Interest Checking | $1,000.00 - $14,999.99 $15,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 and above |
0.10% 0.10% 0.10% 0.10% |
Monthly Monthly Monthly Monthly |
0.10% 0.10% 0.10% 0.10% |
| WooHoo! Business Checking | Up to $14,999.99 $15,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000 and up If qualifications aren't met |
0.10% 0.30% 0.40% 0.50% 0.10% |
Monthly Monthly Monthly Monthly Monthly |
0.10% 0.30% 0.40% 0.50% 0.10% |
Savings Accounts
| Account | Minimum Balance to Obtain APY* |
APY* | Compound Frequency | Interest Rate |
| WooHoo! U | $0.01 - $4,999.99 $5,000.00 - $7,499.99 $7,500.00 and above If qualifications aren't met |
2.53% 1.51% 0.75% 0.10% |
Monthly Monthly Monthly Monthly |
2.50% 1.50% 0.75% 0.10% |
| WooHoo! Savings | $100,000 - and up $50,000.00 - $99,999.99 $15,000 - $49,999.99 $0.01 - $14,999.99 If qualifications aren't met: |
1.11% 0.80% 0.55% 0.30% No interest paid |
Monthly Monthly Monthly Monthly - |
1.10% 0.80% 0.55% 0.30% No interest paid |
| Regular Savings | $0.01 - $99.99 $100.00 and above |
No interest paid 0.25% |
- Monthly |
No interest paid 0.25% |
| Investment Savings | $1,000.00 - $14,999.99 $15,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 and above |
0.25% 0.30% 0.35% 0.50% |
Monthly Monthly Monthly Monthly |
0.25% 0.30% 0.35% 0.50% |
| Health Savings Account | $0.01 - $4,999.99 $5,000.00 - $9,999.99 $10,000.00 and above |
2.02% 2.02% 2.02% |
Monthly Monthly Monthly |
2.00% 2.00% 2.00% |
Special Certificates of Deposit - ($2,500 minimum)
| Term | APY* | Compound Frequency | Interest Rates |
| 11 month | 1.31 % | Quarterly | 1.30 % |
| 21 month | 1.51 % | Quarterly | 1.50 % |
Special IRA Certificates of Deposit
| Term | APY* | Compound Frequency | Interest Rates |
| 48 month | 1.76 % | Quarterly | 1.75 % |
| 60 month | 2.02 % | Quarterly | 2.00 % |
CDs - ($500 minimum)
| Term | APY* | Compound Frequency | Interest Rates |
| 3 month | 0.30 % |
Quarterly | 0.30 % |
| 6 month | 0.50% |
Semi-Annual | 0.50% |
| 12 month | 0.85% | Quarterly | 0.85% |
| 18 month | 0.90% | Quarterly | 0.90% |
| 24 month | 1.05% | Quarterly | 1.05% |
| 30 month | 1.16% | Quarterly | 1.15% |
| 36 month | 1.21% | Quarterly | 1.20% |
| 48 month | 1.31% | Quarterly | 1.30% |
| 60 month | 1.51% | Quarterly | 1.50% |
| 96 month | 2.02% | Quarterly | 2.00% |
Citizens Ultimate CD
| Balance | APY* | Compound Frequency | Interest Rates |
| $1,000 - $14,999.99 | .10% | Quarterly | .10% |
| $15,000.00 - $49,999.99 | .15% |
Quarterly | .15% |
| $50,000.00 - $99,999.99 | .35% |
Quarterly | .35% |
| $100,000.00 and above | .50% |
Quarterly | .50% |