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Current Rates

All rates published here are current. For more information, please contact Citizens First Bank at any of our locations for more information.

Checking Accounts
Account Type Minimum to Open Minimum Balance Monthly Service Charge ATM Cash Withdrawl Limit Debit Card Transaction Limits Free ATM Access Annual Percentage Yield

Additional disclosures are available to explain the calculation of Annual Percentage Yield (APY).

At our discretion we may change the interest rate on your account at any time.

Interest is compounded and credited monthly.

Fees may reduce earnings.

 * Service charge waived by signing up for internet statements

Rates effective as of January 1, 2014

 

Basic Checking $100.00 $0.00 $3.00* $200.00 $1,000.00 Yes
First Checking $100.00 $0.00 $8.00* $200.00 $1,000.00 Yes
NOW Accounts $500.00 $100.00 minimum daily balance to receive stated APY $7.50 fee if balance falls below $500.00 $200.00 $1,000.00 Yes 0.10%
Money Market Deposit $1,000.00 $1,000.00 $10 fee if balance falls below $1,000.00 $200.00 $1,000.00 Yes 0.10%-0.45%
Individual Retirement Account Rates
Type Interest Compounded Minimum To Open Minimum to Earn Stated APY Interest Rate Annual Percentage Yield

Additional disclosures are available to explain the calculation of Annual Percentage Yield (APY).

At our discretion we may change the interest rate on your account at any time.

Interest is compounded and credited monthly.

Fees may reduce earnings.

 

Rates effective as of January 1, 2014

Variable IRA & Roth IRA Monthly $5.00 $100.00 0.65% 0.65%
Fixed IRA & Roth IRA Quarterly $500.00 $500.00 **see CD rates and terms **see CD rates and terms
Education IRA Quarterly $100.00 $100.00 0.90% 0.90%
Certificates of Deposit Rates
Certificate Term Interest Compounded Minimum To Open Minimum to Earn Stated APY Interest Rate Annual Percentage Yield

Additional disclosures are available to explain the calculation of Annual Percentage Yield (APY). At our discretion we may change the interest rate on your account at any time.

Interest is compounded and credited monthly.

 

Fees may reduce earnings.

 

Rates not availble to Commercial and Institutional investors

 

Rates effective as of January 1, 2014

91 Day At Maturity $1,000.00 $1,000.00 0.10% 0.10%
182 Day At Maturity $1,000.00 $1,000.00 0.10% 0.10%
182 Day At Maturity $10,000.00 $10,000.00 0.20% 0.20%
12 Month Quarterly $500.00 $500.00 0.15% 0.15%
12 Month Quarterly $10,000.00 $10,000.00 0.40% 0.40%
18 Month Quarterly $500.00 $500.00 0.20% 0.20%
18 Month Quarterly $10,000.00 $10,000.00 0.55% 0.55%
24 Month Quarterly $500.00 $500.00 0.25% 0.25%
24 Month Quarterly $10,000.00 $10,000.00 0.70% 0.70%
30 Month Quarterly $500.00 $500.00 0.40% 0.40%
30 Month Quarterly $10,000.00 $10,000.00 0.80% 0.80%
36 Month Quarterly $500.00 $500.00 0.60% 0.60%
36 Month Quarterly $10,000.00 $10,000.00 1.00% 1.00%
36 Month Step Up Quarterly $10,000.00 $10,000.00 0.90% 0.90%
48 Month Quarterly $500.00 $500.00 0.70% 0.70%
48 Month Quarterly $10,000.00 $10,00.00 1.05% 1.05%
Savings Accounts
Account Type Minimum to Open Minimum Balance Interest Rate Annual Percentage Yield Interest Compounded

Additional disclosures are available to explain the calculation of Annual Percentage Yield (APY).

At our discretion we may change the interest rate on your account at any time.

Interest is compounded and credited monthly.

 

Fees may reduce earnings.

 

Rates effective as of January 1, 2014

Passbook Statement Savings $100.00 $100.00 0.10% 0.10% Monthly
Passbook Statement Savings $100.00 10,000.00 0.20% 0.20% Monthly
Christmas Club $5.00 $5.00 2.25% 2.25% at Maturity
Kids Club $5.00 $0.01 0.10% 0.10% Monthly
Money Market Account Rates
Type Interest Compounded Minimum To Open Minimum to Earn Stated APY Interest Rate Annual Percentage Yield

Additional disclosures are available to explain the calculation of Annual Percentage Yield (APY).

At our discretion we may change the interest rate on your account at any time.

Interest is compounded and credited monthly.

 

Fees may reduce earnings.

 

Rates effective as of January 1, 2014

Money Market Monthly $1,000.00 $100.00-$999.00 0.10% 0.10%
Money Market Monthly $1,000.00 $1,000.00 0.15% 0.15%
Money Market Monthly $10,000.00 $10,000.00 0.20% 0.20%
Money Market Monthly $35,000.00 $35,000.00 0.30% 0.30%
Money Market Monthly $80,000.00 $80,000.00 + 0.45% 0.45%