|
Locations |
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. Rates effective as of September 6, 2011 |
|
Basic Checking |
$100.00 |
$0.00 |
$0.00 |
$200.00 |
$1,000.00 |
Yes |
|
|
First Checking |
$100.00 |
$0.00 |
$5.00 |
$200.00 |
$1,000.00 |
Yes |
|
|
Now Accounts |
$500.00 |
$0.01 minimum daily balance to receive stated APY |
$7.50 fee if balance falls below $500.00 |
$200.00 |
$1,000.00 |
Yes |
0.15% |
|
Money Market Deposit |
$1,000.00 |
$1,000.00 |
$10 fee if balance falls below $1,000.00 |
$200.00 |
$1,000.00 |
Yes |
0.15%-0.75% |
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 September 6, 2011 |
|
Variable IRA & Roth IRA |
Monthly |
$5.00 |
$100.00 |
1.45% |
1.46% |
|
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 |
1.45% |
1.46% |
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 September 6, 2011 |
|
NOW Account |
Monthly |
$500.00 |
$.01 |
0.15% |
0.15% |
|
Money Market |
Monthly |
$1,000.00 |
$.01-$999.00 |
0.15% |
0.15% |
|
Money Market |
Monthly |
$1,000.00 |
$1,000.00-$9,999.00 |
0.20% |
0.20% |
|
Money Market |
Monthly |
$10,000.00 |
$10,000.00-$34,999.00 |
0.35% |
0.35% |
|
Money Market |
Monthly |
$35,000.00 |
$35,000.00-$79,999.00 |
0.50% |
0.50% |
|
Money Market |
Monthly |
$80,000.00 |
$80,000.00 + |
0.75% |
0.75% |
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 September 6, 2011 |
|
Passbook Statement Savings
|
$100.00 |
$0.01 |
0.20% |
0.20% |
Monthly |
|
Passbook Statement Savings
|
$100.00 |
10,000.00 |
0.25% |
0.25% |
Monthly |
|
Christmas Club
|
$5.00 |
$5.00 |
2.50% |
2.50% |
at Maturity |
|
Kids Club
|
$0.00 |
$0.01 |
0.20% |
0.20% |
Monthly |
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 September 6, 2011 |
|
91 Day |
At Maturity |
$1,000.00 |
$1,000.00 |
0.15% |
0.15% |
|
182 Day |
At Maturity |
$1,000.00 |
$1,000.00 |
0.20% |
0.20% |
|
182 Day |
At Maturity |
$10,000.00 |
$10,000.00 |
0.40% |
0.40% |
|
12 Month |
Quarterly |
$500.00 |
$500.00 |
0.30% |
0.30% |
|
12 Month |
Quarterly |
$10,000.00 |
$10,000.00 |
0.80% |
0.80% |
|
13 Month Special |
Quarterly |
$5,000.00 |
$5,000.00 |
.95% |
.95% |
|
18 Month |
Quarterly |
$500.00 |
$500.00 |
0.50% |
0.50% |
|
18 Month |
Quarterly |
$10,000.00 |
$10,000.00 |
.90% |
.90% |
|
19 Month Special |
Quarterly |
$5,000.00 |
$5,000.00 |
1.10% |
1.10% |
|
24 Month |
Quarterly |
$500.00 |
$500.00 |
0.60% |
0.60% |
|
24 Month |
Quarterly |
$10,000.00 |
$10,000.00 |
1.15% |
1.15% |
|
29 Month Special |
Quarterly |
$5,000.00 |
$5,000.00 |
1.35% |
1.36% |
|
30 Month |
Quarterly |
$500.00 |
$500.00 |
0.80% |
0.80% |
|
30 Month |
Quarterly |
$10,000.00 |
$10,000.00 |
1.20% |
1.20% |
|
36 Month |
Quarterly |
$500.00 |
$500.00 |
1.10% |
1.10% |
|
36 Month |
Quarterly |
$10,000.00 |
$10,000.00 |
1.55% |
1.56% |
|
36 Month Step Up |
Quarterly |
$10,000.00 |
$10,000.00 |
1.50% |
1.51% |
|
39 Month Special |
Quarterly |
$5,000.00 |
$5,000.00 |
1.75% |
1.76% |
|
48 Month |
Quarterly |
$500.00 |
$500.00 |
1.30% |
1.31% |
|
48 Month |
Quarterly |
$10,000.00 |
$10,00.00 |
1.90% |
1.91% |
|
