Deposit rates are effective as of 5/5/25
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
American Heroes Checking
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 - $49,999.99 | 0.20% | 0.20% |
| $2,500.00 | $50,000.00 - $249,999.99 | 1.20% | 1.21% |
| $2,500.00 | $250,000.00 - $999,999.99 | 3.10% | 3.15% |
| $2,500.00 | $1,000,000.00 & up | 3.60% | 3.67% |
Tiered Statement Savings
| 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 Month | $2,500.00 | 0.50% | 0.50% |
| 6 Month | $2,500.00 | 4.00% | 4.08% |
| 1 Year | $2,500.00 | 3.75% | 3.82% |
| 18 Months | $2,500.00 | 1.75% | 1.77% |
| 2 Year | $2,500.00 | 1.85% | 1.87% |
| 3 Year | $2,500.00 | 1.95% | 1.97% |
| 4 Year | $2,500.00 | 2.00% | 2.02% |
| 5 Year | $2,500.00 | 2.25% | 2.28% |
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
|
$2,500.00 | 3.75% | 3.82% |
|
2 Year
|
$2,500.00 |
1.85%
|
1.87% |
|
3 Year
|
$2,500.00 | 1.95% | 1.97% |
|
4 Year
|
$2,500.00 | 2.00% | 2.02% |
|
5 Year
|
$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.