Bank · FDIC insured
Citizens Savings Bank Savings Rates
Citizens Savings Bank’s best savings rate is 0.05% APY on $10,000, with its Premium Passbook Savings. Rates checked October 16, 2026.
How Citizens Savings Bank’s savings rates compare
Compared with banks and credit unions near Scranton, PA, where Citizens Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Savings Bank
0.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $5
Premium Passbook Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Citizens Savings Bank savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.20%
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 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.
Platinum Money Market Account
0.25%APY
Avoid $10 monthly service fee by either maintaining a $50,000 minimum balance or adding direct deposit. Avoid $2 monthly paper statement fee by signing up for eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. | 0.05% | — | Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. |
| $10,000 – $50,000Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. | 0.25% | $25 | Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. |
| $50,000 – $100,000Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. | 0.50% | — | Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. |
| $100,000 and upAvoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. | 1.50% | — | Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. |
Premier Money Market Account
0.05%APY
Avoid $10 monthly service fee by either maintaining a $50,000 minimum balance or adding direct deposit. Avoid $2 monthly paper statement fee by signing up for eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. | 0.05% | $5 | Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. |
| $50,000 – $100,000Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. | 0.10% | — | Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. |
| $100,000 and upAvoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. | 0.30% | — | Avoid $10 monthly service fee by maintaining a $50,000 minimum balance or adding direct deposit. |
Free Kasasa Saver
0.20%APY on $10,000
Links to Kasasa Cash or Kasasa Cash Back checking. Limit 1 account per social security number. No monthly maintenance fee. No minimum deposit required to open.
| Part of the balance | Rate on that part |
|---|---|
| Up to $50,000 | 0.20% |
| $50,000 and up | 0.05% |
On $10,000 the tiers blend to about 0.20% APY, earning $20 a year.
Sources (3)
- citizens-savings.com/bank/personal-savings
- citizens-savings.com/bank/pers…s/free-kasasa-saver.html
- citizens-savings.com/connect/rates.html
All captured Oct 6, 2026
Premium Money Market Account
0.01%APY
Avoid $10 monthly service fee by either maintaining a $1,000 minimum balance or adding direct deposit. Avoid $2 monthly paper statement fee by signing up for eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Avoid $10 monthly service fee by maintaining a $1,000 minimum balance or adding direct deposit. | 0.01% | — | Avoid $10 monthly service fee by maintaining a $1,000 minimum balance or adding direct deposit. |
| $10,000 – $25,000Avoid $10 monthly service fee by maintaining a $1,000 minimum balance or adding direct deposit. | 0.01% | $1 | Avoid $10 monthly service fee by maintaining a $1,000 minimum balance or adding direct deposit. |
| $25,000 – $50,000Avoid $10 monthly service fee by maintaining a $1,000 minimum balance or adding direct deposit. | 0.05% | — | Avoid $10 monthly service fee by maintaining a $1,000 minimum balance or adding direct deposit. |
| $50,000 and upAvoid $10 monthly service fee by maintaining a $1,000 minimum balance or adding direct deposit. | 0.15% | — | Avoid $10 monthly service fee by maintaining a $1,000 minimum balance or adding direct deposit. |
Premium Passbook Savings
0.05%APY
Avoid the $2 monthly service fee by maintaining a $100 minimum balance. Inquire in-branch for more details.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Avoid the $2 monthly service fee by maintaining a $100 minimum balance. | 0.05% | — | Avoid the $2 monthly service fee by maintaining a $100 minimum balance. |
| $5,000 – $15,000Avoid the $2 monthly service fee by maintaining a $100 minimum balance. | 0.05% | $5 | Avoid the $2 monthly service fee by maintaining a $100 minimum balance. |
| $15,000 – $25,000Avoid the $2 monthly service fee by maintaining a $100 minimum balance. | 0.10% | — | Avoid the $2 monthly service fee by maintaining a $100 minimum balance. |
| $25,000 and upAvoid the $2 monthly service fee by maintaining a $100 minimum balance. | 0.15% | — | Avoid the $2 monthly service fee by maintaining a $100 minimum balance. |
Sources (2)
All captured Oct 6, 2026
Regular Passbook Savings
0.05%APY
Avoid the $2 monthly service fee by maintaining a $100 minimum balance. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvoid the $2 monthly service fee by maintaining a $100 minimum balance.Any balance | 0.05% | $5 | Avoid the $2 monthly service fee by maintaining a $100 minimum balance. |
Sources (2)
All captured Oct 6, 2026
Statement Savings
0.05%APY
Avoid the $2 monthly service fee by maintaining a $100 minimum balance. Avoid the $2 monthly paper statement fee by signing up for eStatements. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvoid the $2 monthly service fee by maintaining a $100 minimum balance. Avoid the $2 monthly paper statement fee by signing up for eStatements.Any balance | 0.05% | $5 | Avoid the $2 monthly service fee by maintaining a $100 minimum balance. Avoid the $2 monthly paper statement fee by signing up for eStatements. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Club Accounts
0.05%APY
No minimum deposit to open. No monthly service fee. Choose the month to receive your money (January, April, June, August, or October). Early withdrawals may result in a $10 penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly service fee. Early withdrawals may result in a $10 penalty.Any balance | 0.05% | $5 | No monthly service fee. Early withdrawals may result in a $10 penalty. |
Sources (3)
- citizens-savings.com/bank/personal-savings
- citizens-savings.com/bank/pers…vings/club-accounts.html
- citizens-savings.com/connect/rates.html
All captured Oct 6, 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.