Bank · FDIC insured
Citizens Bank & Trust Savings Rates
Citizens Bank & Trust’s best savings rate is 0.15% APY on $10,000, with its Citizens Savings Account. Rates checked October 22, 2026.
How Citizens Bank & Trust’s savings rates compare
Compared with banks and credit unions near Grand Island, NE, where Citizens Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank & Trust
0.15%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $15
Citizens Savings Account
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Union Bank & Trust
1.24%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $124
Citizens Bank & Trust savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 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.
Citizens Savings Account
0.15%APY
Per debit item fee of $0.50 charged for each debit transaction in excess of 9 per quarterly statement cycle. Unlimited in-person transfers and withdrawals between accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDaily balance method to calculate interest, paid quarterly. Fees could reduce earnings.Any balance | 0.15% | $15 | Daily balance method to calculate interest, paid quarterly. Fees could reduce earnings. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Lil Savers Account
1.00%APY
Available to all customers who have not yet reached the age of 13.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest paid quarterly. Daily balance method to calculate interest. Fees could reduce earnings.Any balance | 1.00% | $100 | Interest paid quarterly. Daily balance method to calculate interest. Fees could reduce earnings. |
Sources (3)
- bankwithcitizens.com/accounts/lil-savers-club
- bankwithcitizens.com/accounts/rates
- bankwithcitizens.com/accounts/savings
All captured Oct 5, 2026
Christmas Club Account
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest paid in November. Daily balance method to calculate interest. Fees could reduce earnings.Any balance | 0.15% | $15 | Interest paid in November. Daily balance method to calculate interest. Fees could reduce earnings. |
Sources (2)
All captured Oct 5, 2026
Health Savings Account
0.15%APY
An IRA-like interest bearing account designed exclusively for covering high deductible health insurance expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees could reduce earnings.Any balance | 0.15% | $15 | Fees could reduce earnings. |
Sources (2)
All 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.