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Current Rates
Account Name |
Interest Rate |
Annual Percentage Yield |
Minimum Balance Required |
| 3 Month CD1 | 2.25% |
2.27% |
Minimum to open account $1,000.00 |
| 6 Month CD1 | 2.50% |
2.53% |
Minimum to open account $1,000.00 |
| 12 Month CD1 | 2.75% |
2.75% |
Minimum to open account $1,000.00 |
| 13 Month CD1 | 3.25% |
3.30% |
Minimum to open account $1,000.00 |
| 18 Month CD1 | 3.00% |
3.04% |
Minimum to open account $1,000.00 |
| 24 Month CD1 | 3.50% |
3.50% |
Minimum to open account $1,000.00 |
| 24 Month Bump Rate CD1 | 2.75% |
2.75% |
Minimum to open account $1,000.00 |
| 30 Month CD1 | 2.98% |
3.02% |
Minimum to open account $1,000.00 |
| 36 Month CD1 | 2.98% |
2.98% |
Minimum to open account $1,000.00 |
| 59 Month CD1 | 4.00% |
4.07% |
Minimum to open account $10,000.00 |
| 12 Month Fixed IRA1 | 2.75% |
2.78% |
Minimum to open account $1,000.00 |
| 12 Month Variable IRA1 | 3.00% |
3.03% |
Minimum to open account $1,000.00 |
| 18 Month Fixed IRA1 | 3.00% |
3.03% |
Minimum to open account $1,000.00 |
| 18 Month Variable IRA1 | 3.25% |
3.29% |
Minimum to open account $1,000.00 |
| NOW Accounts2 | .25% |
.25% |
Minimum to open account $1,000.00 |
Citizens First Reward Checking |
Interest Rate |
APY |
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Reward Rate for Qualifying Accounts
$0.01-$49,999.99 * |
5.13% |
5.25% |
Minimum to open account $50.00
*See account details |
Reward Rate for Qualifying Accounts
$50,000+ * |
1.01% |
1.01% |
Minimum to open account $50.00
*See account details |
| Base Rate on all balances for non-qualifying accounts * |
0.25% |
0.25% |
Minimum to open account $50.00
*See account details |
Money Market2 |
Interest Rate |
APY |
Minimum Balance Required |
| $0.01-$9,999 | 0.75% |
0.75% |
Minimum to open account $2,500.00 |
| $10,000-$24,999 | 1.00% |
1.00% |
Minimum to open account $2,500.00 |
| $25,000-$99,999 | 1.25% |
1.26% |
Minimum to open account $2,500.00 |
| $100,000-$999,999 | 1.75% |
1.76% |
Minimum to open account $2,500.00 |
| $1,000,000+ | 2.00% |
2.02% |
Minimum to open account $2,500.00 |
Savings |
Interest Rate |
APY |
Minimum Balance Required |
| Savings Accounts | 1.00% |
1.00% |
Minimum to open account $25.00 |
| Christmas Club | 2.00% |
2.00% |
Minimum to open account $10.00 |
Travel Club (balances $500 and higher |
.25% |
.25% |
Minimum to open account $500.00 |
Travel Club (balances under $500 |
0.00% |
0.00% |
Minimum to open account $500.00 |
Vacation Club |
2.00% |
2.00% |
Minimum to open account $10.00 |
RATES ARE EFFECTIVE AS OF TODAY'S DATE AND ARE SUBJECT TO CHANGE AT ANYTIME!!! |
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1A penalty may be imposed for early withdrawal.
2These rates may change after the account is opened. Fees could reduce the earnings on the account.
