piles of money and percent symbol

Rates

Rates effective as of 7/17/2024

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

WooHoo! Checking

Minimum Balance to Obtain APY* APY* Compound Frequency Interest Rate
Up to $14,999.99 3.04% Monthly 3.00%
$15,000 and up 3.04% - 0.05%  Monthly 0.05%
If qualifications aren't met 0.025% Monthly 0.025%

Easy Interest Checking

Minimum Balance to Obtain APY* APY* Compound Frequency Interest Rate
$1,000.00 - $14,999.99
0.10%

Monthly

0.10%

$15,000.00 - $49,999.99

0.10%

Monthly

0.10%

$50,000.00 - $99,999.99

0.10%

Monthly

0.10%

$100,000.00 and above 0.10%

Monthly

 0.10%

WooHoo! Business Checking

Minimum Balance to Obtain APY* APY* Compound Frequency Interest Rate
Up to $14,999.99
0.10% Monthly 0.10%
$15,000.00 - $49,999.99
0.20% Monthly
0.20%
$50,000.00 - $99,999.99
0.35% Monthly
0.35%
$100,000 and up
0.50% Monthly
0.50%
If qualifications aren't met 0.05% Monthly
 0.05%


Savings Accounts

WooHoo! U

Minimum Balance to Obtain APY* APY* Compound Frequency Interest Rate
$0.01 - $4,999.99
3.04% Monthly 3.00%
$5,000.00 - $7,499.99
1.00% Monthly
1.00%
$7,500.00 and above
0.50% Monthly
0.50%
If qualifications aren't met
0.10% Monthly
0.10% 

WooHoo! Savings

Minimum Balance to Obtain APY* APY* Compound Frequency Interest Rate
$0.01 - $14,999.99 0.75% Monthly 0.75%
$15,000 - $49,999.99 1.00% Monthly
1.00%
$50,000 - $99,999.99
1.51% Monthly
1.50%
$100,000 - and up
2.02% Monthly
2.00%
If qualifications aren't met
0.05%
Monthly
 0.05%

Regular Savings

Minimum Balance to Obtain APY* APY* Compound Frequency Interest Rate
$0.01 - $99.99
No interest paid N/A No interest paid
$100.00 and above
0.05% Monthly 0.05% 

Investment Savings

Minimum Balance to Obtain APY* APY* Compound Frequency Interest Rate
$1,000.00 - $14,999.99
0.10% Monthly 0.10%
$15,000.00 - $49,999.99
0.20% Monthly 0.20%
$50,000.00 - $99,999.99
0.35% Monthly 0.35%
$100,000.00 and above
0.50% Monthly
0.50% 

Health Savings Account

Minimum Balance to Obtain APY* APY* Compound Frequency Interest Rate
$0.01 - $4,999.99
0.75% Monthly 0.75%
$5,000 - $9,999.99
0.75%
Monthly
0.75%
$10,000.00 and above
0.75%
Monthly
0.75%

Special Certificates of Deposit

($2,500 minimum)

Term APY* Compound Frequency Interest Rate
9 month 4.84% Semi-Annual 4.75%
15 month 4.32% Quarterly 4.25%
23 month 4.06% Quarterly 4.00%
35 month 3.80% Quarterly 3.75%

Special IRA Certificates of Deposit

($2,500 minimum)

Term APY* Compound Frequency Interest Rates
60 month 3.55% Quarterly 3.50%

CDs

($500 minimum)


Term APY* Compound Frequency Interest Rate
3 month
0.50% Quarterly 0.50%
6 month
0.75% Semi-Annual 0.75%
12 month
1.00% Quarterly
1.00%
18 month
1.21% Quarterly
1.20%
24 month
1.41% Quarterly
1.40%
30 month 1.61% Quarterly
1.60%
36 month
2.02% Quarterly
2.00% 
48 month
2.27% Quarterly
2.25%
60 month
2.52% Quarterly
2.50%
96 month 2.78% Quarterly
2.75% 
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Citizens has scholarships for High School Seniors!

High School Seniors - are you attending post-secondary education? You could be one of our next scholarship recipients!