Bank · FDIC insured
Citizens Independent Bank Savings Rates
Citizens Independent Bank’s best savings rate is 3.00% APY, with its Signature Saver, with extra requirements. Rates checked October 16, 2026.
How Citizens Independent Bank’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Citizens Independent Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Independent Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $300
Signature Saver
Top rate
VisionBank
3.76%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
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.
Signature Saver
Up to 3.00%APY
Requires a linked Signature High Yield Checking or Signature Cash Back Checking account. Early closing fee of $10 if within 90 days.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Qualifications met: at least 15 debit card purchases, at least 1 direct deposit, ACH payment, or ACH credit transaction, and enrollment in eStatements during Monthly Qualification Cycle. | 3.00% | $300 | Qualifications met: at least 15 debit card purchases, at least 1 direct deposit, ACH payment, or ACH credit transaction, and enrollment in eStatements during Monthly Qualification Cycle. |
| Any balanceWhen linked Signature checking qualifications are not met during a Monthly Qualification Cycle, entire daily balance earns base rate. | 0.05% | $5 | When linked Signature checking qualifications are not met during a Monthly Qualification Cycle, entire daily balance earns base rate. |
| $100,000 and upQualifications met on balances over $100,000, resulting in a blended APY between 3.00% and 0.25%. Rate is 0.25%. | 0.25% | — | Qualifications met on balances over $100,000, resulting in a blended APY between 3.00% and 0.25%. Rate is 0.25%. |
Sources (3)
- bankcib.com/personal/personal-savings
- bankcib.com/personal/personal-…ngs/Signature-saver.html
- bankcib.com/tools/rates.html
All captured Sep 18, 2026
Opening an account
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