Bank · FDIC insured
Citizens Bank Savings Rates
Citizens Bank’s best savings rate is 0.15% APY on $10,000, with its Citizens Premium Money Market. Rates checked October 31, 2026.
How Citizens Bank’s savings rates compare
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This bank’s best
Citizens Bank
0.15%APY
- Earns on $10,000 a year
- $15
Citizens Premium Money Market
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Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Citizens Premium Money Market
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99,999 | 0.15% | $15 |
| $99,999 – $249,999 | 2.42% | — |
| $249,000 – $499,999 | 2.72% | — |
| Over $499,999 | 3.27% | — |
Sources (2)
All captured Oct 31, 2026
Citizens Savings
0.10%APY
Free e-statements or paper statements for a $3 monthly fee. $10 fee if average daily balance falls below $100. $10 fee assessed if account is closed within the first 30 days. Variable interest rate set by Citizens Bank from time to time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$10 fee if average daily balance falls below $100. Variable interest rate. Free e-statements or paper statements for $3/month.Any balance | 0.10% | $10 | $10 fee if average daily balance falls below $100. Variable interest rate. Free e-statements or paper statements for $3/month. |
Citizens Bank savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0002.42%
- 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.
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.