Bank · FDIC insured
Citizens Community Bank Savings Rates
Citizens Community Bank’s best savings rate is 0.15% APY on $10,000, with its Passbook Savings. Rates checked October 16, 2026.
How Citizens Community Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Citizens Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Community Bank
0.15%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $15
Passbook Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Citizens Community Bank savings score
67
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.15%
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 Community 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.
Premium Money Market - Personal
0.10%APY
Monthly maintenance service charge of $15.00 is waived by maintaining a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. Additional charge of $10.00 per withdrawal in excess of six per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000$15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. | 0.05% | — | $15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. |
| $5,000 – $15,000$15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. | 0.10% | $10 | $15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. |
| $15,000 – $35,000$15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. | 0.15% | — | $15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. |
| $35,000 – $50,000$15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. | 0.15% | — | $15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. |
| $50,000 – $75,000$15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. | 0.15% | — | $15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. |
| $75,000 – $100,000$15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. | 0.15% | — | $15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. |
| $100,000 and up$15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. | 0.25% | — | $15.00 monthly maintenance fee waived with a minimum daily balance of $2,500.00 or an average collected balance of $3,000.00. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Christmas Club
0.15%APY · 1 term
Interest compounded and credited annually. No partial withdrawals allowed. Early termination fee is $10.00. Club year begins October 20th and ends with annual distribution of checks no later than October 21st.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNo partial withdrawals allowed. Does not automatically renew at maturity | 0.15% | $15 |
Sources (1)
- citizenscommunitybank.com/personal-banking · captured Oct 16, 2026
Passbook Savings
0.15%APY
Quarterly maintenance service charge of $5.00 is waived with a minimum daily balance of $50.00 for the monthly statement cycle, or for Minors up to age 22. Additional $3.00 fee per withdrawal in excess of four per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Quarterly compounding and crediting through the end of the calendar quarter. | 0.15% | — | Quarterly compounding and crediting through the end of the calendar quarter. |
| $10,000 – $25,000Quarterly compounding and crediting through the end of the calendar quarter. | 0.15% | $15 | Quarterly compounding and crediting through the end of the calendar quarter. |
| $25,000 – $50,000Quarterly compounding and crediting through the end of the calendar quarter. | 0.15% | — | Quarterly compounding and crediting through the end of the calendar quarter. |
| $50,000 and upQuarterly compounding and crediting through the end of the calendar quarter. | 0.15% | — | Quarterly compounding and crediting through the end of the calendar quarter. |
Sources (2)
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.