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Citizens-Farmers Bank

Current Rates


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CHECKING/SAVINGS RATES



Account Type Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Minimum Balance to Obtain APY*
NOW Account 0.65% 0.65% $100.00 $1.00
HomeTown Plus Account 0.65% 0.65% Account no longer offered $750.00
Money Market Account
(Balance over $50,000)
1.50% 1.51% $100.00 $50,000.00
Money Market Account (Balance over $25,000)
1.25% 1.26% $100.00 $25,000.00
Money Market Account (Balance over $1,000.00) 1.00% 1.00% $100.00 $1,000.00
Money Market Account 0.75% 0.75% $100.00 $1.00
Regular Savings 0.65% 0.65% $10.00 $1.00
Christmas Club 0.65% 0.65% $1.00 $1.00





CD RATES



Account Type Interest Rate Annual Percentage Yield (APY)

3 Month CD 1.00% 1.00%

6 Month CD
1.50% 1.51%

9 Month CD 4.65% 4.71%

12 Month CD 4.25% 4.30%

18 Month CD 3.25% 3.28%

24 Month CD 3.00% 3.02%

30 Month CD 2.75% 2.77%

36 Month CD
2.75%
2.77%

48 Month CD 2.50% 2.52%

60 Month CD 2.50% 2.52%






IRA RATES



Account Type Interest Rate Annual Percentage Yield (APY)

18 Month Variable IRA  3.25% 3.30%






 Checking/Savings Disclosures:
* Daily Balance (the amount of principle in the account each day)
These rates effective 10/8/2024.
Fees may reduce earnings on the account.
These rates may change anytime. For current rate information please contact The Citizens-Farmers Bank.

CD Disclosures:
$1,000.00 minimum balance on Certificates of Deposit unless otherwise stated.
These rates effective 10/8/2024.
Penalty for early withdrawal.
For current rate information please contact The Citizens-Farmers Bank.

IRA Disclosures:
$100.00 minimum balance to open account.
Penalty for early withdrawal.
These rates effective 10/8/2024.
These rates may change monthly. For current rate information please contact The Citizens-Farmers Bank.

Checking


Citizens Farmers checking accounts are the easiest and most convenient to use. 

Online Banking


Your money when you need it the most. Online Banking is simple and easy to use.