Rates
*Annual Percentage Yield (APY) is effective April 7, 2010
Certificates Of Deposit & IRAs
| Term | Minimum Deposit | APY* |
| 3 Months | $1,000 | .50% |
| 6 Months | $1,000 | 1.00% |
| 7 Months | $1,000 | 1.20% |
| 12 Months | $1,000 | 1.40% |
| 13 Months *SPECIAL* | $1,000 | 1.50% |
| 18 Months | $1,000 | 1.50% |
| 24 Months | $1,000 | 1.75% |
| 25 Months *SPECIAL* | $1,000 | 2.00% |
| 30 Months | $1,000 | 1.90% |
| 36 Months | $1,000 | 2.00% |
| 48 Months | $1,000 | 2.25% |
| 49 Months *SPECIAL* | $1,000 | 2.50% |
| 60 Months | $1,000 | 2.60% |
Penalties for early withdrawal may apply. Terms and rates available for a limited time.
Wow Rate E-Checking
| Minimum Balance | APY* |
| $0.00 - $25,000.00 | 3.00 |
| $25,000.01+ | .50 |
| If Qualifications Are Not Met** | .10 |
Personal Money Fund
| Minimum Balance | APY* |
| $500,000 + | 1.00% |
| $250,000 - $499,999 | 1.00% |
| $100,000 - $249,000 | 1.00% |
| $50,000 - $99,999 | .75% |
| $25,000 - $49,999 | .50% |
| $10,000 - $24,999 | .35% |
| $2,500 - $9,999 | .10% |
| $0 - $2,499 | 0% |
Reward Interest Checking
| Minimum Balance | APY* |
| $50,000 + | .40% |
| $25,000 - $49,999 | .30% |
| $10,000 - $24,999 | .25% |
| $2,500 - $9,999 | .15% |
| $0 - $2,499 | .10% |
Regular Savings
| Minimum Balance | APY* |
| $100 | .30% |
Business Money Fund & Business Sweep
| Minimum Balance | APY* |
| $500,000.00+ | 1.00% |
| $250,000.00 - $499,999.99 | 1.00% |
| $100,000.00 - $249,999.99 | .80% |
| $50,000.00 - $99,999.99 | .60% |
| $25,000.00 - $49,999.99 | .40% |
| $10,000.00 - $24,999.99 | .25% |
| $2,500.00 - $9,999.99 | .10% |
| $0 - $2,499.00 | 0% |
Business Interest Checking
| Minimum Balance | APY* |
| $50,000 + | .40% |
| $25,000 - $49,999 | .30% |
| $10,000 - $24,499 | .20% |
| $5,000 - $9,999 | .10% |
| $0 - $4,999 | 0% |
Business Savings
| Minimum Balance | APY* |
| $100.00 | .30% |
Fees May Reduce Earnings. Rates are variable and subject to change.
**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. (2) Receive your monthly statement electronically. Free Bank-By-Net Online Banking required for E-Statement. (3) Have at least one monthly direct deposit or ACH each statement cycle. .50% APY will be paid on the portion of balances over $25,000. Account balances over $25,000 will earn a blended rate if all qualifications are met. If you do not meet the above requirements during your monthly statement cycle, you will earn .10% APY on your entire balance. 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. Member FDIC
