Rates
Rates effective as of 04/18/2018
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 | 2.27% 0.10% 0.05% | Monthly Monthly Monthly | 2.25 % 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% 0.20% 0.35% 0.50% 0.10% | Monthly Monthly Monthly Monthly Monthly | 0.10% 0.20% 0.35% 0.50% 0.10% |
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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 | 3.04% 2.02% 1.00% 0.10% | Monthly Monthly Monthly Monthly | 3.00% 2.00% 1.00% 0.10% |
| Regular Savings | $0.01 - $99.99 $100.00 and above | No interest paid 0.10% | - Monthly | No interest paid 0.10% |
| 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 | 0.10% 0.10% 0.20% 0.50% | Monthly Monthly Monthly Monthly | 0.10% 0.10% 0.20% 0.50% |
| Health Savings Account | $0.01 - $4,999.99 $5,000.00 - $9,999.99 $10,000.00 and above | 0.75% 1.51% 2.02% | Monthly Monthly Monthly | 0.75% 1.50% 2.00% |
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Special Certificates of Deposit - ($2,500 minimum)
| Term | APY* | Compound Frequency | Interest Rates |
| 14 month | 1.42 % | Quarterly | 1.41 % |
| 37 month | 1.76 % | Quarterly | 1.75 % |
| 57 month | 2.27 % | Quarterly | 2.25 % |
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Special IRA Certificates of Deposit
| Term | APY* | Compound Frequency | Interest Rates |
| 36 month | 2.27% | Quarterly | 2.25% |
| 48 month | 2.52% | Quarterly | 2.50% |
| 60 month | 2.78% | Quarterly | 2.75% |
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CDs - ($500 minimum)
| Term | APY* | Compound Frequency | Interest Rates |
| 3 month | 0.20 % | Quarterly | 0.20 % |
| 6 month | 0.30 % | Semi-Annual | 0.30 % |
| 12 month | 0.45 % | Quarterly | 0.45 % |
| 18 month | 0.50 % | Quarterly | 0.50 % |
| 24 month | 0.75 % | Quarterly | 0.75 % |
| 30 month | 1.00 % | Quarterly | 1.00 % |
| 36 month | 1.26 % | Quarterly | 1.25 % |
| 36 month - InvCh | 1.00 % | Quarterly | 1.00 % |
| 48 month | 1.51 % | Quarterly | 1.50 % |
| 60 month | 1.76 % | Quarterly | 1.75 % |
| 96 month | 2.52 % | Quarterly | 2.50 % |
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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% |
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