Skip Navigation Download Adobe® Acrobat Reader to view Portable Document Format (PDF).
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Citizens Bank & Trust Co., The Trusted Name in Banking

Current Rates

APY* and Interest Rates are current as of October 30, 2025.

Rates are subject to change at any time.

View rate information below.
Checking Accounts
Account Type Balance to Open Interest Rate APY*
Basic Checking $0.00 N/A N/A
Regular Checking Account $1.00 N/A 
 N/A 
Premier; Premier Plus  $250.00
 0.25 0.25
NOW Accounts $1000.00 0.25 0.25
Small Business Checking $250.00 
 N/A 
 N/A 
Regular Commercial Checking Account Please Contact Account Rep for Full Information on this type of account

APY = Annual Percentage Yield. The Rates are subject to change on any banking day. Fees and Service Charges may apply and would reduce earnings on these accounts.



Certificates of Deposit
Account Type Balance To Open Interest Rate APY
30 Day CD $1,000.00 0.35 0.35
3 Month CD $1,000.00 
 0.75 0.75
6 Month CD $1,000.00 
 1.50 1.51
12 Month CD $1,000.00 
 2.00 2.00
24 Month CD $1,000.00 
 2.50 2.53
36 Month CD $1,000.00 
 2.75 2.79
48 Month CD $1,000.00 
 2.75 2.79
60 Month CD $1,000.00 
 2.75 2.79

APY = Annual Percentage Yield. The Rates are subject to change on any banking day. Early Withdrawal penalties apply and would reduce earnings on these accounts.



IRA Certificates of Deposit
Account Type Balance to Open Interest Rate APY*
IRA Long Term $100.00 2.00 2.00
APY = Annual Percentage Yield. The Rates are subject to change on any banking day. Fees and Service Charges may apply and would reduce earnings on these accounts.



Savings Accounts
Account Type Balance to Open Interest Rate APY*
Regular Saving $100.00 0.25
 0.25
Christmas Club $10.00 0.25
 0.25
Savings, Tier 1 - $0.00 - $49,999
0.50 0.50
Savings, Tier 2 - $50,000 - $99,999
1.00
 1.00
Savings, Tier 3 > $100,000
1.00 1.00
Money Market Deposit Account $2,500.00 0.50
 0.50
MMDA below $2,500
0.25 0.25
Super MMDA $0 to $9,999 $5,000.00 
 0.25 0.25
Super MMDA $10,000 to $24,999 $5,000.00 
 0.50 0.50
Super MMDA $25,000 to $49,000 $5,000.00 0.75 0.75
Super MMDA $50,000 to $99,999 $5,000.00 
 0.85 0.85
Super MMDA $100,000 and Over $5,000.00 1.00 1.00

APY= Annual Percentage Yield. The Rates are subject to change on any banking day. Fees and Service Charges may apply and would reduce earnings on these accounts.


Please contact an account representative if you have any questions about which accounts are right for you.