Bank · FDIC insured
Citizens Bank Savings Rates
Citizens Bank’s best savings rate is 0.10% APY on $10,000, with its Citizens Savings. Rates checked October 16, 2026.
How Citizens Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
CB Legacy
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
3rd-highest rate
Dieterich Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
Citizens Bank savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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.
CB Legacy
Up to 4.50%APY
Tiered based on qualified balance and combined account total.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Qualified Balances up to $25,000.00. Interest compounded monthly. | 4.50% | $450 | Qualified Balances up to $25,000.00. Interest compounded monthly. |
| Any balanceUnqualified Balances. Interest compounded monthly. | 0.10% | $10 | Unqualified Balances. Interest compounded monthly. |
| Over $25,000Balances over $25,000.00. Qualified; stated APY range is 4.50% - 0.83%. APY calculations are based on an assumed total account balance of $25,000.00 plus $100,000.00 to be shown as a single figure (i.e. $125,000.00). Interest compounded monthly. | 0.10% | — | Balances over $25,000.00. Qualified; stated APY range is 4.50% - 0.83%. APY calculations are based on an assumed total account balance of $25,000.00 plus $100,000.00 to be shown as a single figure (i.e. $125,000.00). Interest compounded monthly. |
Sources (1)
- citizensbankmo.bank/personal-2/current-rates · captured Oct 5, 2026
CB Loyalty
Up to 3.50%APY
Tiered based on qualified balance and combined account total.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Qualified Balances up to $15,000.00. Interest compounded monthly. | 3.50% | $350 | Qualified Balances up to $15,000.00. Interest compounded monthly. |
| Any balanceUnqualified Balances. Interest compounded monthly. | 0.10% | $10 | Unqualified Balances. Interest compounded monthly. |
| Over $15,000Balances over $15,000.00. Qualified; stated APY range is 3.50% - 0.49%. APY calculations are based on an assumed total account balance of $15,000.00 plus $100,000.00 to be shown as a single figure (i.e. $115,000.00). Interest compounded monthly. | 0.10% | — | Balances over $15,000.00. Qualified; stated APY range is 3.50% - 0.49%. APY calculations are based on an assumed total account balance of $15,000.00 plus $100,000.00 to be shown as a single figure (i.e. $115,000.00). Interest compounded monthly. |
Sources (1)
- citizensbankmo.bank/personal-2/current-rates · captured Oct 5, 2026
Citizens Savings
0.10%APY
Interest paid quarterly. $5 monthly service charge fee will be imposed every statement cycle if the balance falls below the minimum balance requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upInterest compounded quarterly. $5 monthly service charge fee waived if minimum balance requirement is met.$100 and up | 0.10% | $10 | Interest compounded quarterly. $5 monthly service charge fee waived if minimum balance requirement is met. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club
0.50%APY
Save for the holidays by making 50 weekly payments. Maximum balance allowed per club is $5,000.00. Proceeds are direct deposited mid-October into your Citizens Bank account. A withdrawal fee of one payment will be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Interest compounded annually and paid at maturity. Maximum balance allowed per club is $5,000.00.Up to $5,000 | 0.50% | — | Interest compounded annually and paid at maturity. Maximum balance allowed per club is $5,000.00. |
Sources (2)
All captured Oct 5, 2026
Citizens Health Savings Account
0.35%APY
Available to individuals that have a qualifying High Deductible Health Insurance Plan. No monthly balance requirement to maintain.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Interest compounded monthly. | 0.10% | — | Interest compounded monthly. |
| $2,500 – $10,000Interest compounded monthly. | 0.10% | — | Interest compounded monthly. |
| $10,000 and upInterest compounded monthly. | 0.35% | $35 | Interest compounded monthly. |
Sources (2)
All captured Oct 5, 2026
Citizens Young Savers
0.10%APY
Available for young savers 17 years of age and younger.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded quarterly. For individuals 17 years of age and younger.Any balance | 0.10% | $10 | Interest compounded quarterly. For individuals 17 years of age and younger. |
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.