Bank · FDIC insured
Citizens Bank Savings Rates
Citizens Bank’s best savings rate is 0.03% APY on $10,000, with its Citizens Private Client® Money Market. Rates checked October 3, 2026.
How Citizens Bank’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank
0.03%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $3
Citizens Private Client® Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Citizens Bank savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.03%
- $100,000 balance$100,0003.50%
- QualifiedQualified0.03%
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.
Citizens Private Client® Money Market
0.03%APY
Rates apply to new accounts and may not apply to existing accounts. Variable APY subject to change daily. Rates accurate for Rhode Island (ZIP 02903).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. | 0.03% | — | Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. |
| $10,000 – $24,999Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. | 0.03% | $3 | Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. |
| $25,000 – $49,999Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. | 3.50% | — | Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. |
| $25,000 – $49,999Standard Rate | 0.03% | — | Standard Rate |
| $50,000 – $99,999Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. | 3.50% | — | Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. |
| $50,000 – $99,999Standard Rate | 0.03% | — | Standard Rate |
| $100,000 – $249,999Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. | 3.50% | — | Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. |
| $100,000 – $249,999Standard Rate | 0.03% | — | Standard Rate |
| $250,000 – $499,999Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. | 3.50% | — | Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. |
| $250,000 – $499,999Standard Rate | 0.05% | — | Standard Rate |
| $500,000 – $999,999Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. | 3.50% | — | Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. |
| $500,000 – $999,999Standard Rate | 0.05% | — | Standard Rate |
| $1,000,000 – $2,999,999Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. | 3.50% | — | Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. |
| $1,000,000 – $2,999,999Standard Rate | 0.15% | — | Standard Rate |
| $3,000,000 and upPreferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. | 3.50% | — | Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens. |
| $3,000,000 and upStandard Rate | 0.15% | — | Standard Rate |
Sources (1)
- citizensbank.com/savings/money…-money-market-rates.aspx · captured Sep 25, 2026
Personal Money Market
0.01%APY
Rates apply to new accounts and may not apply to existing accounts. Variable APY subject to change daily. Rates accurate for Rhode Island (ZIP 02903).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.01% | — |
| $2,500 – $9,999 | 0.01% | — |
| $10,000 – $24,999 | 0.01% | $1 |
| $25,000 – $49,999 | 0.01% | — |
| $50,000 – $74,999 | 0.01% | — |
| $75,000 – $249,999 | 0.01% | — |
| $250,000 – $999,999 | 0.01% | — |
| $1,000,000 – $2,999,999 | 0.01% | — |
| $3,000,000 and up | 0.01% | — |
Sources (1)
- citizensbank.com/savings/money…-money-market-rates.aspx · captured Oct 3, 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.