Citizens Bank Minnesota rates: up to 3.75% APY
bank · FDIC CERT 8200 · www.citizensmn.bank/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | $0.01 - $4,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $5,000.00 - $9,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $10,000.00 and above | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | $50.00 - $999.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | $1,000.00 - $14,999.00 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | $15,000.00 - $49,999.00 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | $50,000.00 and above | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $0.01 - $4,999.99 | 3.04% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $5,000.00 and above | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| WooHoo! Savings | $0.01 - $14,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| WooHoo! Savings | $15,000.00 - $49,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| WooHoo! Savings | $50,000.00 - $99,999.99 | 1.51% | APY | 2026-11-01 | since 2026-11-01 | |
| WooHoo! Savings | $100,000.00 - and up | 2.02% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 6-Month CD | 6 month | 2.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Special Certificates of Deposit | 11 month | 3.55% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 month | 2.78% | APY | 2026-11-01 | since 2026-11-01 | |
| Special Certificates of Deposit | 21 month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 month | 3.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 month | 3.24% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 month | 3.34% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 month | 3.44% | APY | 2026-11-01 | since 2026-11-01 | |
| Special IRA Certificates of Deposit | 60 month | 3.44% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Easy Interest Checking | $1,000.00 - $14,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Easy Interest Checking | $15,000.00 - $49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Easy Interest Checking | $50,000.00 - $99,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Easy Interest Checking | $100,000.00 and above | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| WooHoo! Checking | Up to $14,999.99 | 3.04% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.citizensmn.bank/rates | 2026-11-02 02:33 UTC | ok | 3b8ab31010cc |
| www.citizensmn.bank/personal/savings-and-cds | — | extract-failed |