About Citizens Bank Promotions. Citizens Bank is headquartered in Providence, Rhode Island, and is the largest financial institution in the state. Being the 17th largest bank in the nation, Citizens Bank offers a wide variety of accounts for you to take advantage of. Additionally, it’s great to know that the bank boasts an A+ health rating! Nov 08, 2019 Citizens State Bank (12501) is headquartered in Buffalo and is the 69 th largest bank in the state of Texas. It is also the 797 th largest bank in the nation. It was established in 1925 and as of December of 2020, it had grown to 110 employees at 12 locations. Citizens State Bank (12501) has an A+ health rating.
Checking Accounts
Account Type | Minimum Deposit to Open | Minimum Balance to Earn APY | Interest Rate | APY* |
---|
Advantage Checking | $50 | N/A | N/A | N/A |
Advantage Plus Checking | $1,000 | $1,000 | 0.01% | 0.01% |
Smart Start Checking | $50 | N/A | N/A | N/A |
Cash Back Checking | $50 | $1,000 | 0.01% | 0.01% |
Classic Money Market Account
Rate Tier | Minimum Deposit to Open | Minimum Balance to Earn APY | Interest Rate | APY* |
---|
Tier 1 | $1,000 | $0.25 - $24,999.99 | 0.03% | 0.03% |
Tier 2 | $1,000 | $25,000 - $99,999.99 | 0.05% | 0.05% |
Tier 3 | $1,000 | $100,000 - $299,999.99 | 0.09% | 0.09% |
Tier 4 | $1,000
| $300,000 - $499,999.99 | 0.13% | 0.13% |
Tier 5 | $1,000
| $500,000 and over | 0.15% | 0.15% |
High Yield Indexed Money Market Account
Rate Tier | Minimum Deposit to Open | Minimum Balance to Earn APY | Interest Rate | APY* |
---|
Tier 1 | $25,000 | $0.25 - $99,999.99 | 0.10% | 0.10% |
Tier 2 | $25,000 | $100,000 - $199,999.99 | 0.10% | 0.10% |
Tier 3 | $25,000 | $200,000 - $299,999.99 | 0.10% | 0.10%
|
Tier 4 | $25,000
| $300,000 - $399,999.99 | 0.10% | 0.10% |
Tier 5 | $25,000
| $400,000 and over | 0.10% | 0.10% |
Savings Accounts
Account Type | Minimum Deposit to Open | Minimum Balance to Earn APY | Interest Rate | APY* |
---|
Advantage Savings Tier 1 | $100 | $0.25 - $4,999.99 | 0.02% | 0.02% |
Advantage Savings Tier 2
| $100 | $5,000 and over | 0.03% | 0.03% |
Ca$h Savings Club | $10 | $0.25 | 0.02%
| 0.02% |
Certificates of Deposit (CDs)
Account Type | Minimum Balance | Interest Rate | APY* |
---|
Flexible Add-On (6-12 month terms) | $250 | 0.05% | 0.05% |
1 Year | 0.10% |
2 Year | $1,000 | 0.15% |
3 Year | 0.25% |
4 Year | $1,000 | 0.35% |
Individual Retirement Account (IRA)
Account Type | Minimum Deposit to Open
| Interest Rate
| APY*
|
---|
Fixed Rate 6 Month | $100 | 0.05% | 0.05% |
Fixed Rate 1 Year
| $100
| 0.10% | 0.10% |
Fixed Rate 2 Year
| $100
| 0.15% | 0.15% |
Fixed Rate 3 Year
| $100
| 0.25%
| 0.25% |
Fixed Rate 4 Year
| $100
| 0.35% | 0.35% |
Health Savings Account (HSA)
Rate Tier | Minimum Deposit to Open
| Minimum Balance to Earn APY
| Interest Rate
| APY*
|
---|
Tier 1 | $100 | $0.25 - $24,999.99 | 0.03% | 0.03% |
Tier 2
| $100
| $25,000 - $99,999.99 | 0.05%
| 0.05% |
Tier 3
| $100
| $100,000 - $299,999.99 | 0.09% | 0.09% |
Tier 4
| $100
| $300,000 - $499,999.99 | 0.13% | 0.13% |
Tier 5
| $100
| $500,000 and over | 0.15% | 0.15% |
*APY = Annual Percentage Yield
Fees may reduce earnings.
Checking, Savings, Money Markets & HSAs:
- Rates may change at any time
- A penalty will be imposed for early withdrawal
- Rates are subject to change at maturity
Rates are subject to change. Fees may reduce the earnings on the account. Penalties may be imposed for withdrawals from CD's prior to maturity.
Checking Accounts
WooHoo! Checking
Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
---|
Up to $14,999.99 | 0.75% | Monthly | 0.75% |
$15,000 and up | 0.05% | Monthly | 0.05% |
If qualifications aren't met | 0.025% | Monthly | 0.025% |
Easy Interest Checking
Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
---|
$1,000.00 - $14,999.99
| 0.05%
| Monthly
| 0.05%
|
$15,000.00 - $49,999.99
| 0.05%
| Monthly
| 0.05%
|
$50,000.00 - $99,999.99
| 0.05%
| Monthly
| 0.05%
|
$100,000.00 and above | 0.05%
| Monthly
| 0.05%
|
WooHoo! Business Checking
Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
---|
Up to $14,999.99
| 0.10% | Monthly | 0.10% |
$15,000.00 - $49,999.99
| 0.15% | Monthly
| 0.15% |
$50,000.00 - $99,999.99
| 0.20% | Monthly
| 0.20% |
$100,000 and up
| 0.30% | Monthly
| 0.30% |
If qualifications aren't met | 0.05% | Monthly
| 0.05% |
Savings Accounts
WooHoo! U
Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
---|
$0.01 - $4,999.99
| 1.00% | Monthly | 1.00% |
$5,000.00 - $7,499.99
| 0.50% | Monthly
| 0.50% |
$7,500.00 and above
| 0.25% | Monthly
| 0.25% |
If qualifications aren't met
| 0.10% | Monthly
| 0.10% |
WooHoo! Savings
Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
---|
$100,000 - and up
| 0.40% | Monthly | 0.40% |
$50,000.00 - $99,999.99
| 0.30% | Monthly
| 0.30% |
$15,000 - $49,999.99
| 0.20% | Monthly
| 0.20% |
$0.01 - $14,999.99
| 0.10% | Monthly
| 0.10% |
If qualifications aren't met
| Monthly
| 0.05% |
Regular Savings
Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
---|
$0.01 - $99.99
| No interest paid | N/A | No interest paid |
$100.00 and above
| 0.05% | Monthly | 0.05% |
Investment Savings
Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
---|
$1,000.00 - $14,999.99
| 0.10% | Monthly | 0.10% |
$15,000.00 - $49,999.99
| 0.10% | Monthly | 0.10% |
$50,000.00 - $99,999.99
| 0.10% | Monthly | 0.10% |
$100,000.00 and above
| 0.10% | Monthly |
Health Savings Account
Minimum Balance to Obtain APY* | APY* | Compound Frequency | Interest Rate |
---|
$0.01 - $49,999.99
| 1.00% | Monthly | 1.00% |
$5,000 - $9,999.99
| 1.00%
| Monthly
| 1.00%
|
$10,000.00 and above
| 1.00%
| Monthly
| 1.00% |
Special Certificates of Deposit
($2,500 minimum)
Term | APY* | Compound Frequency | Interest Rate |
---|
15 month | 0.50% | Quarterly | 0.50% |
23 month | 0.60% | Quarterly | 0.60% |
Citizens Bank Money Market Rates
Special IRA Certificates of Deposit
($2,500 minimum)
Term | APY* | Compound Frequency | Interest Rates |
---|
60 month | 0.70% | Quarterly | 0.70% |
CDs
Citizens Bank Cd Rates Ri
Tx Citizens Bank Cd Rates
Term | APY* | Compound Frequency | Interest Rate |
---|
3 month
| 0.10% | Quarterly | 0.10% |
6 month
| 0.15% | Semi-Annual | 0.15% |
12 month
| 0.20% | Quarterly
| 0.20% |
18 month
| 0.25% | Quarterly
| 0.25% |
24 month
| 0.35% | Quarterly
| 0.35% |
30 month | 0.45% | Quarterly
| 0.45% |
36 month
| 0.60% | Quarterly
| 0.60% |
48 month
| 0.65% | Quarterly
| 0.65% |
60 month
| 0.70% | Quarterly
| 0.70% |
96 month | 0.80% | Quarterly
| 0.80% |