Deposit rates are effective as of 2/9/2023
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!
Senior Interest Checking
| Initial Deposit to Open |
Minimum to Earn Interest
|
Annual Percentage Yield (APY)* |
|---|---|---|
| $25.00 |
$1,000.00
|
0.40% |
American Heroes Checking
| Initial Deposit to Open |
Minimum to Earn Interest
|
Annual Percentage Yield (APY)* |
|---|---|---|
| $25.00 | $1,000.00 | 0.40% |
*Rate may change after account is open.
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 Account
| Initial Deposit to Open | Daily Account Balance | Annual Percentage Yield (APY)* |
|---|---|---|
| $2,500.00 | $0- $9,999.99 | 0.10% |
| $2,500.00 | $10,000.00 - $49,999.99 | 0.40% |
| $2,500.00 | $50,000.00 - $249,999.99 | 0.75% |
| $2,500.00 | $250,000.00 - $999,999.00 | 1.01% |
| $2,500.00 | $1,000,000.00 & up | 1.26% |
Tiered Savings Account
| Initial Deposit to Open and Earn Interest | Daily Account Balance | Annual Percentage Yield (APY)* |
|---|---|---|
| $100.00 | $100.00 - $9,999.99 | 0.10% |
| $100.00 | $10,000.00 - $24,999.99 | 0.10% |
| $100.00 | $25,000.00 - $99,999.99 | 0.10% |
| $100.00 | $100,000.00 & up | 0.15% |
Youth Savings Account
| Initial Deposit to Open and Earn Interest |
Daily Account Balance | Annual Percentage Yield (APY)* |
|---|---|---|
| $25.00 | $25.00 & up | 0.15% |
*Rate may change after account is open.
Certificates of Deposit
A variety of timeframes and competitive rates make our CDs right for you!
|
Current CD Terms
|
Initial Deposit to Open and Earn Interest |
Interest Rate
|
Annual Percentage Yield (APY)* |
|---|---|---|---|
| 30 Day | $2,500.00 | 0.50% | 0.50% |
| 3 Months | $2,500.00 | 0.50% | 0.50% |
| 6 Months | $2,500.00 | 0.50% | 0.50% |
| 1 Year | $2,500.00 | 4.16% | 4.25% |
| 18 Months | $2,500.00 | 1.75% | 1.77% |
| 2 Years | $2,500.00 | 1.85% | 1.87% |
| 3 Years | $2,500.00 | 1.95% | 1.97% |
| 4 Years | $2,500.00 | 2.00% | 2.02% |
| 5 Years | $2,500.00 | 2.25% | 2.28% |
*A penalty may be imposed for withdrawals made before maturity. Fees may reduce earnings.
Individual Retirement Accounts
IRAs for your long-term savings needs. Make tax deferred investments to provide financial security when you retire.
|
Current IRA Terms
|
Initial Deposit to Open and Earn Interest
|
Interest Rate
|
Annual Percentage Yield (APY)* |
|---|---|---|---|
| 18 Month Variable IRA** | $2,500.00 | 1.75% | 1.77% |
| 1 Year Fixed | $2,500.00 | 4.16% | 4.25% |
| 2 Year Fixed | $2,500.00 | 1.85% | 1.87% |
| 3 Year Fixed | $2,500.00 | 1.95% | 1.97% |
| 4 Year Fixed | $2,500.00 | 2.00% | 2.02% |
| 5 Year Fixed | $2,500.00 | 2.25% | 2.28% |
**Rate may change after account is opened.