Credit union · NCUA insured
Citizens Community Credit Union Savings Rates
Citizens Community Credit Union’s best savings rate is 1.10% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.
How Citizens Community Credit Union’s savings rates compare
Compared with banks and credit unions near Fort Dodge, IA, where Citizens Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Citizens Community Credit Union
1.10%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $110
Money Market Accounts
Top rate
GreenState Credit Union
1.45%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $145
3rd-highest rate
Peoples Credit Union
0.90%APY
- Minimum
- —
- Earns on $10,000 a year
- $90
Citizens Community Credit Union savings score
85
Savings score
Higher than 69% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.10%
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 Community Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Accounts
1.10%APY
Must have Basic Share Account with minimum balance of $25 to open these secondary accounts. Maintenance or activity fees may reduce earnings.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $2,500 – $9,999$2,500 to open | 1.00% | $2,500 | — |
| $10,000 – $24,999$10,000 to open | 1.10% | $10,000 | $110 |
| $25,000 – $49,999$25,000 to open | 1.20% | $25,000 | — |
| $50,000 – $99,999$50,000 to open | 1.30% | $50,000 | — |
| $100,000 and up$100,000 to open | 1.50% | $100,000 | — |
Sources (1)
- citizenscu.com/savings-rates · captured Sep 18, 2026
Regular Savings Account
0.05%APY
Features no monthly service charge. Pays dividends on the average daily balance if the account has a balance of $100 or more. Members may establish secondary savings accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upListed as Basic Share Account on rates schedule. Minimum average daily balance to earn dividends is $100.$100 and up | 0.05% | $5 | Listed as Basic Share Account on rates schedule. Minimum average daily balance to earn dividends is $100. |
Special-purpose accounts
Christmas Club
0.05%APY
The club year runs from November 1 to October 31. At the end of the club year, funds transfer to primary savings. Early closing fee of $10 applies if closed before club year ends, and cannot reopen until next club year. Must have Basic Share Account with minimum balance of $25 to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to open; $0 minimum average daily balance to earn. Must have Basic Share Account with minimum balance of $25 to open this secondary account.Any balance | 0.05% | $5 | No minimum balance to open; $0 minimum average daily balance to earn. Must have Basic Share Account with minimum balance of $25 to open this secondary account. |
Kirby Kangaroo Kids Club
0.05%APY
For children 12 years old and under. Parent or legal guardian must be a joint owner to open an account for a minor. Must maintain a minimum balance of $25 to keep the account open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance to earn dividends is $100.$100 and up | 0.05% | $5 | Minimum average daily balance to earn dividends is $100. |
Sources (3)
All captured Oct 5, 2026
Vacation Club
0.05%APY
Allows one withdrawal per calendar year; additional withdrawals incur a $10 fee. Must have Basic Share Account with minimum balance of $25 to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to open; $0 minimum average daily balance to earn. Must have Basic Share Account with minimum balance of $25 to open this secondary account.Any balance | 0.05% | $5 | No minimum balance to open; $0 minimum average daily balance to earn. Must have Basic Share Account with minimum balance of $25 to open this secondary account. |
Who can join Citizens Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in one of 33 specified Iowa counties are eligible for membership.
Employers and groups
- Members of 499 Iowa Cooperatives and members of the Iowa Independent Automotive Dealers Association are eligible for membership.
Family and household
- Individuals who have a close relative who lives or works in one of the 33 specified Iowa counties are eligible for membership.
Cost to join
- Membership requires a $25 membership share deposit in a savings account.
Membership information collected October 4, 2026.