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RATE CHART
The Annual Percentage Yield (APY) reflects the interest rate with the interest compounding semi-annually. The APY assumes interest will remain on deposit until maturity. If you receive an interest check or have interest posted to another account your APY will be less.
|
Account
Product
Name
|
Minimum
Opening
Deposit
|
Minimum
Balance
To Obtain
APY**
|
Average Daily
Balances
|
Interest
Rate
|
APY**
|
|
Certificates of Deposit
|
| 6 month |
$500.00
|
$500.00
|
$500.00 - $99,999.99
|
.20%
|
.20%
|
| |
|
|
$100,000.00 and up
|
.25%
|
.25%
|
| 1 year |
$500.00
|
$500.00
|
$500.00 - $99,999.99
|
.45%
|
.45%
|
| |
|
|
$100,000.00 and up
|
.50%
|
.50%
|
| 2 year |
$500.00
|
$500.00
|
$500.00 - $99,999.99
|
.70%
|
.70%
|
| |
|
|
$100,000.00 and up
|
.75%
|
.75%
|
| 3 year |
$500.00
|
$500.00
|
$500.00 - $99,999.99
|
1.00%
|
1.00%
|
| |
|
|
$100,000.00 and up
|
1.05%
|
1.05%
|
|
36 MONTH "ONE BUMP" SPECIAL
|
$5,000.00
|
$5,000.00
|
|
1.00%
|
1.00%
|
| 4 year |
$500.00
|
$500.00
|
$500.00 - $99,999.99
|
1.60%
|
1.61%
|
| |
|
|
$100,000.00 and up
|
1.65%
|
1.66%
|
| 5 year |
$500.00
|
$500.00
|
$500.00 - $99,999.99
|
1.90%
|
1.91%
|
| |
|
|
$100,000.00 and up
|
2.00%
|
2.01%
|
| Individual Retirement Accounts |
1 year IRA
Certificate of Deposit |
$250.00
|
$250.00
|
N/A
|
.50%
|
.50%
|
2 year IRA
Certificate of Deposit |
$250.00
|
$250.00
|
N/A
|
.80%
|
.80%
|
3 year IRA
Certificate of Deposit |
$250.00
|
$250.00
|
N/A
|
1.00%
|
1.00%
|
5 year IRA
Certificate of Deposit |
$250.00
|
$250.00
|
N/A
|
1.90%
|
1.91%
|
| Interest Bearing Accounts |
| Citizens Preferred* |
$1,000.00
|
$1,000.00
|
N/A
|
|
|
| Average Daily Balances |
$1,000.- 49,999.99 |
|
|
0.15% |
0.15% |
| |
$50,000.- 249,999.99 |
|
|
0.25% |
0.25% |
| |
$250,000.- 499,999.99 |
|
|
0.35%
|
0.35% |
| |
$500,000.- and up |
|
|
0.45%
|
0.45% |
| Citizens NOW* |
$900.00
|
$900.00
|
N/A
|
0.10%
|
0.10%
|
| |
|
|
|
|
|
| Citizens Passbook* |
$25.00
|
$25.00
|
N/A
|
0.10%
|
0.10%
|
| Canadian Exchange Rate |
|
Canadian to U.S. rate of exchange: .90
|
|
For CD deposits a penalty may be imposed for early withdrawal.
*The interest rate and annual percentage yield may change after account opening.
Daily balance: The amount of the principal in the account each day.
**Annual Percentage Yield
|
|
Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of 1-17-2012.
For current rate information, exact rate amounts, additional terms and conditions, contact your nearest Citizens State Bank - Midwest Branch Office.
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