Bank · FDIC insured
Citizens Bank of Chatsworth Savings Rates
Citizens Bank of Chatsworth’s best savings rate is 0.50% APY on $10,000, with its Smart Savings. Rates checked October 16, 2026.
How Citizens Bank of Chatsworth’s savings rates compare
Compared with banks and credit unions near Bloomington, IL, where Citizens Bank of Chatsworth has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank of Chatsworth
0.50%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $50
Smart Savings
Top rate
State Farm Federal Credit Union
4.08%APY
- Minimum
- —
- Earns on $10,000 a year
- $408
2nd-highest rate
IAA Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Citizens Bank of Chatsworth savings score
77
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 of Chatsworth 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.
Smart Savings
0.50%APY
No service charge. Interest rate may change after account is opened; fees can reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000APY for balance $1,000–$4,999.99. No service charge. | 0.10% | — | APY for balance $1,000–$4,999.99. No service charge. |
| $5,000 – $10,000APY for balance $5,000–$9,999.99. No service charge. | 0.25% | — | APY for balance $5,000–$9,999.99. No service charge. |
| $10,000 and upAPY for balance $10,000+. No service charge. | 0.50% | $50 | APY for balance $10,000+. No service charge. |
Sources (2)
All captured Sep 17, 2026
Regular Savings
0.05%APY
$2 quarterly service charge if average daily balance is below $100; waived with $100 average daily balance or monthly direct deposit. Minimum average daily balance to obtain APY is $100. Interest rate may change after account is opened; fees can reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance of $100 to obtain APY. $2 quarterly service charge if average daily balance below $100, waived with $100 average daily balance or monthly direct deposit.$100 and up | 0.05% | $5 | Minimum average daily balance of $100 to obtain APY. $2 quarterly service charge if average daily balance below $100, waived with $100 average daily balance or monthly direct deposit. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Christmas Club Account
0.25%APY
No service charge. Interest forfeited if account is closed prior to the second week of October. Unlimited deposits and no withdrawals until date of maturity. Interest rate may change after account is opened; fees can reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest forfeited if closed prior to the second week of October. No withdrawals until maturity. No service charge.Any balance | 0.25% | $25 | Interest forfeited if closed prior to the second week of October. No withdrawals until maturity. No service charge. |
Sources (2)
All captured Sep 17, 2026
Health Savings Account
0.05%APY
$2 monthly service charge waived with $3,000 average daily balance. Product page describes it as working like a checking account for medical expenses. Interest rate may change after account is opened; fees can reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000APY for balance $0–$999.99. $2 monthly service charge waived with $3,000 average daily balance. | 0.00% | — | APY for balance $0–$999.99. $2 monthly service charge waived with $3,000 average daily balance. |
| $1,000 – $2,500APY for balance $1,000–$2,499.99. $2 monthly service charge waived with $3,000 average daily balance. | 0.05% | — | APY for balance $1,000–$2,499.99. $2 monthly service charge waived with $3,000 average daily balance. |
| $2,500 – $5,000APY for balance $2,500–$4,999.99. $2 monthly service charge waived with $3,000 average daily balance. | 0.05% | — | APY for balance $2,500–$4,999.99. $2 monthly service charge waived with $3,000 average daily balance. |
| $5,000 – $7,500APY for balance $5,000–$7,499.99. $2 monthly service charge waived with $3,000 average daily balance. | 0.05% | — | APY for balance $5,000–$7,499.99. $2 monthly service charge waived with $3,000 average daily balance. |
| $7,500 and upAPY for balance $7,500+. $2 monthly service charge waived with $3,000 average daily balance. | 0.05% | $5 | APY for balance $7,500+. $2 monthly service charge waived with $3,000 average daily balance. |
Sources (2)
All captured Sep 17, 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.