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Passbook Savings
Minimum to open is $20.00
Earns a rate of .25% and APY of .25%
(APY is Average Percentage Yield)
No ATM access
Must present passbook for all transactions
Statement Savings
Minimum to open is $20.00
Earns a rate of .25% and APY of .25%
ATM access ( Fees charged when using any machine other than Citizens Federal's)
Monthly Statement
Christmas Savings
Minimum to open is $20.00
Earns a rate of .50% and APY of .50%
Starting date November 1st
Deposits of any amount, no withdrawals
Cutoff mid October, check automatically mailed
Health Savings Accounts
At our discretion, we may change the interest rate on your account.
Do you have questions about FDIC Deposit Insurance? Check out the FDIC Electronic Deposit Insurance Estimator (EDIE) at https://www.fdic.gov/edie. This site supplies very beneficial information, along with a tutorial about FDIC Insurance.
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Balance to Balance Rate Yield
$20.00 - $2,000.00 .2500% .2500%
$2,000.00 - $10,000.00 .5000% .5000%
$10,000.00 - & above .7500% .7500%
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