Bank · FDIC insured
Citizens Bank & Trust Co. Savings Rates
Citizens Bank & Trust Co.’s best savings rate is 0.30% APY on $10,000, with its CB Investment Account. Rates checked October 16, 2026.
How Citizens Bank & Trust Co.’s savings rates compare
Compared with banks and credit unions near Hutchinson, MN, where Citizens Bank & Trust Co. has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank & Trust Co.
0.30%APY
- Earns on $10,000 a year
- $30
CB Investment Account
Top rate
Novation Credit Union
2.55%APY
- Earns on $10,000 a year
- $255
2nd-highest rate
SouthPoint Financial Credit Union
0.71%APY
- Earns on $10,000 a year
- $71
Citizens Bank & Trust Co. savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Citizens Bank & Trust Co. ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CB Investment Account
0.30%APY
Your interest rate may change after the account is opened. Your interest rate and APY may vary. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $15,000 | 0.30% | $30 |
| $15,000 – $25,000 | 0.30% | — |
| $25,000 – $100,000 | 0.30% | — |
| $100,000 and up | 0.30% | — |
Sources (1)
- cbhutch.com/rates-specials · captured Oct 5, 2026
Money Market Savings
0.30%APY
Your interest rate may change after the account is opened. Your interest rate and APY may vary. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $15,000 | 0.30% | $30 |
| $15,000 and up | 0.30% | — |
Sources (1)
- cbhutch.com/rates-specials · captured Oct 5, 2026
CB Investment Savings
0.30%APY
Service Charge $10.00 per month if below minimum $15,000 to avoid maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $15,000 | 0.30% | $30 |
| $15,000 – $25,000 | 0.30% | — |
| $25,000 – $100,000 | 0.30% | — |
| $100,000 and up | 0.30% | — |
Sources (2)
All captured Oct 5, 2026
Money Market Checking
0.20%APY
Your interest rate may change after the account is opened. Your interest rate and APY may vary. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $15,000 | 0.20% | $20 |
| $15,000 and up | 0.20% | — |
Sources (1)
- cbhutch.com/rates-specials · captured Oct 5, 2026
Blue Chip Savings
0.20%APY
Interest compounds quarterly. Service charge of $6 per quarter if balance is below an average ledger balance of $50.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to obtain APY and earn interest is $100.00 ($25 minimum for minors). Service charge of $6 per quarter if below average ledger balance of $50.$100 and up | 0.20% | $20 | Minimum balance to obtain APY and earn interest is $100.00 ($25 minimum for minors). Service charge of $6 per quarter if below average ledger balance of $50. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Children's Blue Chip
0.20%APY
For minors/children.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum to obtain APY is $25.00.$25 and up | 0.20% | $20 | Minimum to obtain APY is $25.00. |
Sources (1)
- cbhutch.com/rates-specials · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.