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Deposit Rates

Deposit rates are effective as of 12/26/2023

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
Interest Rate Annual Percentage Yield (APY)*
$25.00 $0.00 - $999.99 0.00% 0.00% 
$25.00
$1,000.00 - $24,999.99
0.75% 0.75%
$25.00
$25,000.00 - $49,999.99
0.75% 0.75%
$25.00
$50,000.00 - $249,999.99
1.00% 1.01%
$25.00
$250,000.00 - $999,999.99
1.25% 1.26%
$25.00
$1,000,000.00 & up
1.25% 1.26%

American Heroes Checking

Initial Deposit to Open
Minimum to Earn Interest
Interest Rate Annual Percentage Yield (APY)*
$25.00 $0.00 - $999.99 0.00% 0.00%
$25.00 $1,000.00 - $24,999.99 0.75% 0.75%
$25.00 $25,000.00 - $49,999.99 0.75% 0.75%
$25.00 $50,000.00 - $249,999.99 1.00% 1.01%
$25.00 $250,000.00 - $999,999.99 1.25% 1.26%
$25.00 $1,000,000.00 & up 1.25% 1.26%
*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 Interest Rate Annual Percentage Yield (APY)*
$2,500.00 $0 - $2,499.99 0.10% 0.10%
$2,500.00 $2,500.00 - $9,999.99 0.10% 0.10%
$2,500.00 $10,000.00 - $49,999.99 0.40% 0.40%
$2,500.00 $50,000.00 - $249,999.99 1.50% 1.51%
$2,500.00 $250,000.00 - $999,999.99 3.50%  3.56%
$2,500.00 $1,000,000.00 & up 4.00% 4.08%

Tiered Savings Account

Initial Deposit to Open and Earn Interest Daily Account Balance Interest Rate Annual Percentage Yield (APY)*
$100.00 $100.00 - $9,999.99 0.10% 0.10%
$100.00 $10,000.00 - $24,999.99 0.10% 0.10%
$100.00 $25,000.00 - $99,999.99 0.10% 0.10%
$100.00 $100,000.00 & up  0.15% 0.15%

Youth Savings Account

Initial Deposit to Open and Earn Interest Daily Account Balance Interest Rate Annual Percentage Yield
(APY)*
$25.00 $25.00 & up 0.15% 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 5.00% 5.13%
1 Year $2,500.00 4.75% 4.86%
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 4.75% 4.86%
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%
*A penalty may be imposed for withdrawals made before maturity. Fees may reduce earnings.
**Rate may change after account is opened.