Bank · FDIC insured
Citizens First Bank Savings Rates
A $361.3M bank headquartered in Clinton, IA, with 3 branches in Iowa.
How Citizens First Bank’s savings rates compare
Compared with banks and credit unions in Iowa, where Citizens First Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens First Bank
3.04%APY
- Requires
- Conditions apply
- Minimum
- $500
- Earns on $10,000 a year
- $304
Health Savings Account (HSA)
Top rate
Employees Credit Union
3.82%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $381
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Health Savings Account (HSA)
3.04%APY
Must be covered under an HSA eligible health plan on the first day of the month, have no other unpermitted health coverage, not enrolled in Medicare, and cannot be claimed as a dependent on someone else's tax return. Paper statement fee of $5 per statement cycle can be avoided by enrolling in electronic statements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.00% | — |
| $500 and up | 3.04% | $304 |
Sources (1)
- gocfb.bank/health-savings · captured Sep 18, 2026
CF Bee Savings Account
0.10%APY
Youth savings account / UTMA savings account designed for young savers. Minor age limit is 21 in Iowa.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000 | 1.01% | — | |
| $1,000 and upAPY stated as 0.10% – 1.01% for balances of $1,000.00 and above; minimum balance to obtain APY is $0.01. | 0.10% | $10 | APY stated as 0.10% – 1.01% for balances of $1,000.00 and above; minimum balance to obtain APY is $0.01. |
Sources (1)
- gocfb.bank/cfbee-account · 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.