Bank · FDIC insured
Citizens Bank Savings Rates
Citizens Bank’s best savings rate is 1.00% APY on $10,000, with its Classic Money Market Account. Rates checked October 16, 2026.
How Citizens Bank’s savings rates compare
Compared with banks and credit unions near Milwaukee, WI, where Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank
1.00%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $100
Classic Money Market Account
Top rate
Advia Credit Union
3.75%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Citizens Bank savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.00%
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.
Classic Money Market Account
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 1.00% | $100 |
| $25,000 – $100,000 | 1.00% | — |
| $100,000 – $300,000 | 1.50% | — |
| $300,000 – $500,000 | 1.50% | — |
| $500,000 and up | 1.50% | — |
Sources (2)
All captured Oct 16, 2026
Advantage Savings
0.03%APY
Requires $100 minimum deposit to open. Must maintain a $100 daily balance to avoid $1 maintenance fee per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1 rate for balances $0.01 to $4,999.99. Maintain a $100 daily balance to avoid $1 monthly maintenance fee. | 0.03% | — | Tier 1 rate for balances $0.01 to $4,999.99. Maintain a $100 daily balance to avoid $1 monthly maintenance fee. |
| $5,000 and upTier 2 rate for balances $5,000 and over. Maintain a $100 daily balance to avoid $1 monthly maintenance fee. | 0.03% | $3 | Tier 2 rate for balances $5,000 and over. Maintain a $100 daily balance to avoid $1 monthly maintenance fee. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.20%APY
Must be used in conjunction with a high-deductible health plan (HDHP) to pay for qualified medical expenses. $100 deposit required to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier 1 balance tier from $0.01 to $24,999.99. | 0.20% | $20 | Tier 1 balance tier from $0.01 to $24,999.99. |
| $25,000 – $100,000Tier 2 balance tier from $25,000 to $99,999.99. | 1.00% | — | Tier 2 balance tier from $25,000 to $99,999.99. |
| $100,000 – $300,000Tier 3 balance tier from $100,000 to $299,999.99. | 1.50% | — | Tier 3 balance tier from $100,000 to $299,999.99. |
| $300,000 – $500,000Tier 4 balance tier from $300,000 to $499,999.99. | 1.50% | — | Tier 4 balance tier from $300,000 to $499,999.99. |
| $500,000 and upTier 5 balance tier for balances $500,000 and over. | 1.50% | — | Tier 5 balance tier for balances $500,000 and over. |
Sources (2)
All captured Oct 16, 2026
Ca$h Savings Club
0.03%APY
Designed for savers up to 15 years old. Must be opened as a joint account with an adult age 18+ who shares equal rights to transactions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No minimum account balance or monthly maintenance fee. Minimum $0.01 balance to earn APY.Over $0 | 0.03% | $3 | No minimum account balance or monthly maintenance fee. Minimum $0.01 balance to earn APY. |
Sources (3)
- citizensbankwi.bank/personal/cash-savings-club
- citizensbankwi.bank/personal/deposit-rates
- citizensbankwi.bank/personal/savings
All captured Oct 16, 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.