Checking & Savings*

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MINIMUM BALANCE APY1
WOW Rate E-Checking $0 - $25,000.00
$25,000.01+-Depending on balance in account
If qualifications are not met3
0.75%
0.34%-0.75%4
0.05%
Reward Interest Checking 5

$0 - $9,999.99

0.05%

$10,000 - $24,999.99 0.10%

$25,000.00 - $49,999.99 0.15%

$50,000 - $199,999.99 0.20%

$200,000.00 - $499,999.99 0.25%

$500,000.00 0.30%
Citizens Preferred Money Fund 5
$0 - $2,499.99 0%

$2,500.00 - $9,999.99 0.10%

$10,000.00 - $24,999.99 0.20%

$25,000.00 - $49,999.99 0.23%

$50,000.00 - $99,999.99 0.27%

$100,000.00 - $249,999.99 0.30%

$250,000.00 - $499,999.99 0.32%

$500,000+ 0.35%
EZ Savings $100 0.15%

CDs & IRAs

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Term
Minimum to Open/Obtain APY2 APY 2
6 Months $2,500.00 0.30%
12 Months $2,500.00
0.40%
18 Months $2,500.00
0.50%
24 Months $2,500.00
0.55%
30 Months $2,500.00
0.65%
36 Months $2,500.00
0.75%
48 Months $2,500.00
1.00%
60 Months $2,500.00
1.25%

1 Rates are variable and subject to change. Annual Percentage Yield (APY) effective October 05, 2016. Fees May Reduce Earnings.

2 Annual Percentage Yield (APY) effective October 05, 2016. Fees May Reduce Earnings.  Penalties for early withdrawal may apply. Terms and rates available for a limited time.

3 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 12 check card transactions per statement cycle, ATM transactions are excluded (transactions must post to and clear the account during the statement cycle to meet 12 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 $25. 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. Rates are variable and subject to change.

4 If your daily balance is $25,000 or less, the interest rate paid on the entire balance will be .75% with an annual percentage yield of .75%. 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 .34% to .75%, 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 .05% with an annual percentage yield of .05%.

5 Minimum opening balance-$100.00