Bank · FDIC insured
Citizens Federal Savings and Loan Savings Rates
Citizens Federal Savings and Loan’s best savings rate is 0.65% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Citizens Federal Savings and Loan’s savings rates compare
Compared with banks and credit unions near Bellefontaine, OH, where Citizens Federal Savings and Loan has the most branches. $10,000, best rate first.
This bank’s best
Citizens Federal Savings and Loan
0.65%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $65
Money Market
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Buckeye State Bank
3.00%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $300
Citizens Federal Savings and Loan savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.07%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0002.85%
- QualifiedQualified0.65%
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 Federal Savings and Loan 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.
Money Market
0.65%APY
Limit of six withdrawals of any kind per month. $10.00 fee per withdrawal will be applied to account for each withdrawal over the monthly limit. Unlimited deposits.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $100,000No monthly service charge. | 0.65% | $65 | No monthly service charge. |
| $100,000 – $250,000No monthly service charge. | 2.85% | — | No monthly service charge. |
| $250,000 and upNo monthly service charge. | 3.40% | — | No monthly service charge. |
Sources (2)
All captured Oct 6, 2026
Statement Savings
0.07%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $20 and up | 0.07% | $7 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account
0.45%APY
To qualify you must be covered under a high-deductible health plan (HDHP).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000The stated rate applies to the entire balance. | 0.25% | — | The stated rate applies to the entire balance. |
| $2,001 – $10,000The stated rate applies to the entire balance. | 0.45% | $45 | The stated rate applies to the entire balance. |
| $10,001 and upThe stated rate applies to the entire balance. | 0.60% | — | The stated rate applies to the entire balance. |
Sources (2)
All captured Oct 16, 2026
Christmas Savings
0.50%APY
Starting date November 1st Deposits of any amount, no withdrawals Cutoff date mid October, check automatically mailed
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $20 and up | 0.50% | $50 |
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.