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Deposit Rates

Deposit rates are effective as of 10/20/2020

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
0.05% 

American Heroes Checking

Initial Deposit to Open
Minimum to Earn Interest
Annual Percentage Yield (APY)*
$25.00 $1,000.00 0.05%
*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 0.05%
$2,500.00 $10,000.00 - $49,999.99 0.05%
$2,500.00 $50,000.00 - $249,999.99 0.10%
$2,500.00 $250,000.00 - $999,999.00 0.15% 
$2,500.00 $1,000,000.00 & up 0.25%

Tiered Savings Account

Initial Deposit to Open and Earn Interest Daily Account Balance Annual Percentage Yield (APY)*
$100.00 $100.00 - $9,999.99 0.05%
$100.00 $10,000.00 - $24,999.99 0.05%
$100.00 $25,000.00 - $99,999.99 0.05%
$100.00 $100,000.00 & up  0.10%

Youth Savings Account

Initial Deposit to Open and Earn Interest Annual Percentage Yield (APY)*
$25.00 0.05%
*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 0.10% 0.10%
3 Months $2,500.00 0.20% 0.20%
6 Months $2,500.00 0.30% 0.30%
1 Year $2,500.00 0.40% 0.40%
1 Year Special** $10,000.00 0.50% 0.50%
18 Months $2,500.00 0.40% 0.40%
2 Years $2,500.00 0.50% 0.50%
2 Year Special** $10,000.00 0.60% 0.60%
3 Years $2,500.00 0.60% 0.60%
4 Years $2,500.00 0.65% 0.65%
5 Years $2,500.00 0.70% 0.70%
*A penalty may be imposed for withdrawals made before maturity. Fees may reduce earnings.
** Limited Time Offering.

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 0.40% 0.40%
1 Year Fixed $2,500.00 0.40% 0.40%
1 Year Fixed*** $10,000.00 0.50% 0.50%
2 Year Fixed $2,500.00 0.50% 0.50%
2 Year Fixed*** $10,000.00 0.60%  0.60% 
3 Year Fixed $2,500.00 0.60%  0.60% 
4 Year Fixed $2,500.00 0.65% 0.65%
5 Year Fixed $2,500.00 0.70% 0.70%
*A penalty may be imposed for withdrawals made before maturity. Fees may reduce earnings.
**Rate may change after account is opened.
***Limited Time Offering.