Bank · FDIC insured
Citizens Bank Savings Rates
Citizens Bank’s best savings rate is 0.05% APY on $10,000, with its Money Market Savings. Rates checked October 15, 2026.
How Citizens Bank’s savings rates compare
Compared with banks and credit unions near Indianapolis, IN, where Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank
0.05%APY
- Minimum
- $25
- Earns on $10,000 a year
- $5
Regular Savings
Top rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Citizens Bank savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.05%
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 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.
Premium Rate Plus Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $14,999 | 0.05% | $5 |
| $15,000 – $49,999 | 0.25% | — |
| $50,000 – $99,999 | 0.40% | — |
| $100,000 and up | 0.50% | — |
Sources (1)
- citizens-banking.com/personal/savings · captured Sep 18, 2026
Money Market Savings
0.05%APY
Access funds up to six times per month without penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $14,999 | 0.05% | $5 |
| $15,000 – $49,999 | 0.25% | — |
| $50,000 and up | 0.40% | — |
Sources (2)
All captured Sep 18, 2026
Regular Savings
0.05%APY
A $3 monthly service fee applies if the minimum balance requirement of $200 is not met. Transfers or withdrawals are limited to 6 per statement cycle / calendar month, with a $2.00 fee per excess debit transaction. Accounts that remain at a zero balance for 30 days will be closed.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $14,999A $3 monthly service fee applies if balance falls below $200. | 0.05% | $5 | A $3 monthly service fee applies if balance falls below $200. |
| $15,000 – $49,999A $3 monthly service fee applies if balance falls below $200. | 0.25% | — | A $3 monthly service fee applies if balance falls below $200. |
| $50,000 and upA $3 monthly service fee applies if balance falls below $200. | 0.40% | — | A $3 monthly service fee applies if balance falls below $200. |
Sources (1)
- citizens-banking.com/personal/savings · captured Sep 18, 2026
Special-purpose accounts
Health Savings Account
0.50%APY
Account holder may not be a dependent or covered by another health plan that is not an HDHP, including Medicare.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.10% | — |
| $2,500 and up | 0.50% | $50 |
Sources (1)
- citizens-banking.com/personal/savings · captured Sep 18, 2026
Junior Savings
0.05%APY
No monthly service fee or minimum balance required for ages 0-17. Account automatically converts to Regular Savings when minor reaches age 18, at which point Regular Savings fees and rules apply. Transfers or withdrawals limited to 6 per statement cycle / calendar month, with a $2.00 fee per excess debit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $14,999Available to individuals aged 0-17. | 0.05% | $5 | Available to individuals aged 0-17. |
| $15,000 – $49,999Available to individuals aged 0-17. | 0.25% | — | Available to individuals aged 0-17. |
| $50,000 and upAvailable to individuals aged 0-17. | 0.40% | — | Available to individuals aged 0-17. |
Sources (1)
- citizens-banking.com/personal/savings · captured Sep 18, 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.