Bank · FDIC insured
Citizens Federal Savings Bank Savings Rates
Citizens Federal Savings Bank’s best savings rate is 0.75% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Citizens Federal Savings Bank’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Citizens Federal Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Federal Savings Bank
0.75%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $75
Money Market
Top rate
Truity Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Citizens Federal Savings Bank savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.75%
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 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.
Money Market
0.75%APY
The interest rate and annual percentage yield may change after account opening. ATM card only. Minimum balance to obtain APY is $100.00 daily balance. Interest compounded and credited monthly. Daily balance method is used. Monthly maintenance fee of $5.00 waived if daily balance is $500.00 or above.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Daily balances of $100.00-$2,499.99. Minimum opening deposit $1,000.00. Minimum balance to obtain APY $100.00. Monthly fee $5.00 waived if daily balance is $500.00 or above. | 0.25% | — | Daily balances of $100.00-$2,499.99. Minimum opening deposit $1,000.00. Minimum balance to obtain APY $100.00. Monthly fee $5.00 waived if daily balance is $500.00 or above. |
| $2,500 – $10,000Daily balances of $2,500.00-$9,999.99. Minimum opening deposit $1,000.00. Monthly fee waived if daily balance is $500.00 or above. | 0.35% | — | Daily balances of $2,500.00-$9,999.99. Minimum opening deposit $1,000.00. Monthly fee waived if daily balance is $500.00 or above. |
| $10,000 – $25,000Daily balances of $10,000.00-$24,999.99. Minimum opening deposit $1,000.00. Monthly fee waived if daily balance is $500.00 or above. | 0.75% | $75 | Daily balances of $10,000.00-$24,999.99. Minimum opening deposit $1,000.00. Monthly fee waived if daily balance is $500.00 or above. |
| $25,000 – $50,000Daily balances of $25,000.00-$49,999.99. Minimum opening deposit $1,000.00. Monthly fee waived if daily balance is $500.00 or above. | 0.85% | — | Daily balances of $25,000.00-$49,999.99. Minimum opening deposit $1,000.00. Monthly fee waived if daily balance is $500.00 or above. |
| $50,000 and upDaily balances of $50,000.00 and up. Minimum opening deposit $1,000.00. Monthly fee waived if daily balance is $500.00 or above. | 1.26% | — | Daily balances of $50,000.00 and up. Minimum opening deposit $1,000.00. Monthly fee waived if daily balance is $500.00 or above. |
Sources (2)
All captured Sep 18, 2026
Statement Savings
0.25%APY
Earns interest daily (posted quarterly). Available to protect a Checking Account against overdrafts. $2.00 monthly service charge if balance falls below $200.00 any day of the month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upInterest rate and APY may change after account opening (may change weekly at discretion). Interest compounded quarterly and credited quarterly. $2.00 monthly fee if daily balance falls below $200.00. Daily balance method applies.$10 and up | 0.25% | $25 | Interest rate and APY may change after account opening (may change weekly at discretion). Interest compounded quarterly and credited quarterly. $2.00 monthly fee if daily balance falls below $200.00. Daily balance method applies. |
Sources (3)
- citizensfsb.bank/deposit-account-rates
- citizensfsb.bank/personal-savings
- citizensfsb.bank/wp-content/up…gs-Disclosure-011023.pdf
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club
0.25%APY
No monthly service charges or fees. No withdrawals permitted. Funds disbursed/available beginning of November (or first week of November each year) and deposited to checking or savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upInterest rate and APY may change after account opening (may change weekly at discretion). Interest compounded quarterly and credited quarterly. Daily balance method applies. Funds disbursed first week of November.$10 and up | 0.25% | $25 | Interest rate and APY may change after account opening (may change weekly at discretion). Interest compounded quarterly and credited quarterly. Daily balance method applies. Funds disbursed first week of November. |
Sources (3)
- citizensfsb.bank/deposit-account-rates
- citizensfsb.bank/personal-savings
- citizensfsb.bank/wp-content/up…gs-Disclosure-011023.pdf
All captured Sep 18, 2026
Dollar Dog Savings
0.25%APY
Eligible account holders must be under the age of 18, after which the account will be converted to a Statement Savings Account. No monthly service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upInterest rate and APY may change after account opening (may change weekly at discretion). Interest compounded quarterly and credited quarterly. Daily balance method applies.$10 and up | 0.25% | $25 | Interest rate and APY may change after account opening (may change weekly at discretion). Interest compounded quarterly and credited quarterly. Daily balance method applies. |
Sources (3)
- citizensfsb.bank/deposit-account-rates
- citizensfsb.bank/personal-savings
- citizensfsb.bank/wp-content/up…gs-Disclosure-011023.pdf
All captured Sep 18, 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.