Rates

*Annual Percentage Yield (APY) effective January 3, 2014. Minimum opening balance effective May 1, 2013.

Certificates Of Deposit & IRAs

Term
 
Minimum to Open/Obtain APY*
 
APY*
 
6 Months  $2,500  .20% 
12 Months  $2,500  .30% 
18 Months**  $2,500  .40% 
24 Months**  $2,500  .50% 
30 Months**  $2,500  .60% 
36 Months**  $2,500  .70% 
48 Months**  $2,500  .90% 
60 Months**  $2,500  1.15% 

Penalties for early withdrawal may apply. Terms and rates available for a limited time.

**If you request at account opening that interest be credited by check quarterly, semi-annually, or annually, this account rquires the distribution of interest and does not allow interest to remain in the account.

Wow Rate E-Checking

Minimum Balance  APY* 
$0.00 - $25,000.00  1.00% 
$25,000.01+
Depending on the balance in the account 
.40% to 1.00%**** 
If Qualifications Are Not Met***  .10% 

**** If your daily balance is $25,000 or less, the interest rate paid on the entire balance will be 1.00% with an annual percentage yield of 1.00%. An interest rate of .20% will be paid only for that portion of your daily balance that is greater than $ 25,000. The annual percentage yield for this tier will range from .40% to 1.00%, depending on the balance in the account. While Citizens Bank does not limit the amount that can be deposited into a WOW checking account, for purposes of calculating the blended APY for balances greater than $25,000, a range of $25,000.01 to $100,000 was assumed. If qualifications are not met, the interest rate paid on the entire balance will be .10% with an annual percentage yield of .10%.
***To qualify for the WOW Rate E-Checking rate and to be reimbursed for non Citizens Bank ATM transactions, you must meet the following requirements each statement cycle: (1) Make 10 check card transactions per statement cycle, ATM transactions are excluded (transactions must post to and clear the account during the statement cycle to meet 10 transactions requirement). (2) Receive your monthly statement electronically. Bank-By-Net Online Banking required for E-Statement. (3) Have at least one monthly direct deposit or ACH each statement cycle (direct deposits and ACH deposits must post and clear the account during the statement cycle). Minimum balance to open is $100. No minimum monthly balance to maintain. At our discretion, we may change the qualification requirements and/or the balance tier on your account at any time. A 30-day notice will be provided for either of these two changes.

Personal Money Fund

Minimum Balance  APY* 
$500,000.00 +  .45% 
$250,000.00 - $499,999.99  .40% 
$100,000.00 - $249,999.99  .35% 
$50,000.00 - $99,999.99  .30% 
$25,000.00 - $49,999.99  .25% 
$10,000.00 - $24,999.99  .20% 
$2,500.00 - $9,999.99  .10% 
$0.00 - $2,499.99  0% 

Minimum balance to open is $2,500.

Reward Interest Checking

Minimum Balance  APY* 
$50,000.00 +  .25% 
$25,000.00 - $49,999.99  .20% 
$10,000.00 - $24,999.99  .15% 
$2,500.00 - $9,999.99  .10% 
$0.00 - $2,499.99  .05% 

Regular Savings

Minimum Balance  APY* 
$100  .20% 

Minimum balance to open is $100.

Business Money Fund & Business Sweep

Minimum Balance  APY* 
$500,000.00+  .45% 
$250,000.00 - $499,999.99  .40% 
$100,000.00 - $249,999.99  .35% 
$50,000.00 - $99,999.99  .30% 
$25,000.00 - $49,999.99  .25% 
$10,000.00 - $24,999.99  .20% 
$2,500.00 - $9,999.99  .10% 
$0 - $2,499.00  0% 

Business Interest Checking

Minimum Balance  APY* 
$50,000.00 +  .20% 
$25,000.00 - $49,999.99  .17% 
$10,000.00 - $24,499.99  .14% 
$5,000.00 - $9,999.99  .10% 
$0.00 - $4,999.99  0% 

Business Savings

Minimum Balance  APY* 
$100.00  .20% 

Fees May Reduce Earnings. Rates are variable and subject to change.