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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

.35%

.35%

     

$100,000.00 and up

.40%

.40%

1 year

$500.00

$500.00

$500.00 - $99,999.99

  .50% 

.50%

     

$100,000.00 and up

 .55%

.55%

2 year

$500.00

$500.00

$500.00 - $99,999.99

 .65%

.65%

     

$100,000.00 and up

 .70%

.70%

3 year

$500.00

$500.00

$500.00 - $99,999.99

 .85%

.85%

     

$100,000.00 and up

 .90%

.90%

4 year

$500.00

$500.00

$500.00 - $99,999.99

 1.05%

1.05%

     

$100,000.00 and up

1.10%

1.10% 

5 year

$500.00

$500.00

$500.00 - $99,999.99

 1.35%

1.35%

     

$100,000.00 and up

 1.40%

1.41%

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

.70%

.70%

3 year IRA 
Certificate of Deposit

$250.00

$250.00

N/A 

.90%

.90%

5 year IRA 
Certificate of Deposit

$250.00

$250.00

 N/A

1.35%

1.35%

Interest Bearing Accounts
Citizens Preferred*

$1,000.00

$1,000.00

 N/A

 

 

       Average Daily Balances $1,000.- 49,999.99       0.10% 0.10%
  $50,000.- 249,999.99        0.15% 0.15%
  $250,000.- 499,999.99    

0.20%

0.20%
  $500,000.- and up    

0.20%

0.20%
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: .70

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 06-08-2017.
For current rate information, exact rate amounts, additional terms and conditions, contact your nearest Citizens State Bank - Midwest Branch Office.

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