Bank · FDIC insured
Citizens Bank Minnesota Savings Rates
Citizens Bank Minnesota’s best savings rate is 0.75% APY on $10,000, with its WooHoo! Savings. Rates checked October 16, 2026.
How Citizens Bank Minnesota’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Citizens Bank Minnesota has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank Minnesota
0.75%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $75
WooHoo! Savings
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Citizens Bank Minnesota savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0002.02%
- QualifiedQualified0.75%
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 Minnesota 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.
WooHoo! Savings
0.75%APY
$10.00/month fee if average ledger balance falls below $5,000.00. $5,000 minimum balance required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $15,000 | 0.75% | $75 |
| $15,000 – $50,000 | 1.00% | — |
| $50,000 – $100,000 | 1.51% | — |
| $100,000 and up | 2.02% | — |
Special-purpose accounts
WooHoo! U
Up to 1.00%APY
Available for youth ages 0-17. Only one account per SSN. Converts to regular savings the month after minor turns 18. Must deposit at least $50.00 to open. To receive bonus APY, must meet monthly qualification cycle requirements: at least one Direct Deposit or Automatic Transfer Deposit post and settle, enroll and receive monthly e-statements via internet banking, and no withdrawals made during qualification cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIf qualifications are not met for the entire qualification cycle | 0.10% | $10 | If qualifications are not met for the entire qualification cycle |
| Up to $5,000When qualifications are met | 3.04% | — | When qualifications are met |
| $5,000 and upWhen qualifications are met | 1.00% | $100 | When qualifications are met |
Health Savings Account
0.75%APY
Requires enrollment in a qualifying high deductible health insurance plan (HDHP) as defined by IRS. No minimum balance required. Free debit card, free online banking, online bill payment. Printed monthly statement is $5 per statement. Closure and Transfer fees may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.75% | — |
| $5,000 – $10,000 | 0.75% | — |
| $10,000 and up | 0.75% | $75 |
Regular Savings
0.10%APY
Must deposit at least $50 to open. $5.00/month fee if average ledger monthly balance falls below $50.00 (waived for under 18). No interest earned on days daily collected balance falls below $50.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.05% | — |
| $1,000 – $14,999 | 0.10% | $10 |
| $15,000 – $49,999 | 0.20% | — |
| $50,000 and up | 0.35% | — |
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.