Rates The Citizens Bank

Lobby Hour Changes In an effort to help stop the spread of the coronavirus (COVID-19) The Citizens Bank will be redirecting our customers to the drive thru for all possible transactions. Per Gov. Andy Beshear and the CDC recommending social distancing, we will be limiting access to our lobbies at all branches until further notice, effective at 8 am Thursday, March 19th. We will take appointments from customers who have an urgent need to come inside one of our locations. Please contact us for appointments or questions you may have. We are taking this step as an abundance of caution to protect the public, our customers, and our employees. Our drive-thru, ATM’s, and night deposits will remain open. We would also like to remind our customers to utilize all the other methods available to you to fulfill your banking needs. We will continue to monitor all local, state, and national developments, and we will make every effort to reopen our lobbies as soon as possible. While we know this may cause a short-term inconvenience to our customers, we remain committed to serving you during this challenging time. If you have questions or concerns, please call your local branch to discuss. We will continue to update our websites and Facebook pages with any new developments. Do NOT contact us on social media.

Rates are Effective thru April 1st, 2020

Certificates of Deposits (CDs)

* – Interest compounded quarterly

Accounts	Minimum Deposit	Maximum Deposit	Annual Percentage Yield	Interest Rate
Accounts 91 Day CD	Minimum Deposit $2,500.00	Maximum Deposit	Annual Percentage Yield 0.65%	Interest Rate 0.65%
Accounts 182 Day CD	Minimum Deposit $2,500.00	Maximum Deposit	Annual Percentage Yield 0.85%	Interest Rate 0.85%
Accounts 12 Month CD*	Minimum Deposit $500.00	Maximum Deposit	Annual Percentage Yield 1.16%	Interest Rate 1.15%
Accounts 18 Month CD*	Minimum Deposit $500.00	Maximum Deposit	Annual Percentage Yield 1.21%	Interest Rate 1.20%
Accounts 24 Month CD	Minimum Deposit $5000.00	Maximum Deposit	Annual Percentage Yield 1.36%	Interest Rate 1.35%
Accounts 30 Month CD*	Minimum Deposit $500.00	Maximum Deposit	Annual Percentage Yield 1.41%	Interest Rate 1.40%
Accounts 36 Month CD*	Minimum Deposit $500.00	Maximum Deposit	Annual Percentage Yield 1.46%	Interest Rate 1.45%
Accounts 60 Month CD*	Minimum Deposit $500.00	Maximum Deposit	Annual Percentage Yield 1.51%	Interest Rate 1.50%
Accounts Citizens Choice 36 Month CD	Minimum Deposit $5,000.00	Maximum Deposit	Annual Percentage Yield 1.46%	Interest Rate 1.45%
Accounts Citizens Choice 60 Month CD	Minimum Deposit $500.00	Maximum Deposit	Annual Percentage Yield 1.51%	Interest Rate 1.50%

Money Maker

Tiers	Minimum Deposit	Maximum Deposit	Annual Percentage Yield	Interest Rate
Tiers Tier 1	Minimum Deposit $0.00	Maximum Deposit $2,499.99	Annual Percentage Yield 0.25%	Interest Rate 0.25%
Tiers Tier 2	Minimum Deposit $2,500.00	Maximum Deposit $999,999,999.99	Annual Percentage Yield 0.30%	Interest Rate 0.30%

Premium Money Maker

Tiers	Minimum Deposit	Maximum Deposit	Annual Percentage Yield	Interest Rate
Tiers Tier 1	Minimum Deposit $0.00	Maximum Deposit $24,999.99	Annual Percentage Yield 0.35%	Interest Rate 0.35%
Tiers Tier 2	Minimum Deposit $25,000.00	Maximum Deposit $49,999.99	Annual Percentage Yield 0.40%	Interest Rate 0.40%
Tiers Tier 3	Minimum Deposit $50,000.00	Maximum Deposit $99,999.99	Annual Percentage Yield 0.45%	Interest Rate 0.45%
Tiers Tier 4	Minimum Deposit $100,000.00	Maximum Deposit $249,999.99	Annual Percentage Yield 0.50%	Interest Rate 0.50%
Tiers Tier 5	Minimum Deposit $250,000.00	Maximum Deposit $999,999.99	Annual Percentage Yield 1.26%	Interest Rate 1.25%

NOW Checking Accounts

Minimum Deposit	Maximum Deposit	Annual Percentage Yield	Interest Rate
Minimum Deposit N/A	Maximum Deposit N/A	Annual Percentage Yield 0.25%	Interest Rate 0.25%

Individual Retirement Accounts (IRAs)

Accounts	Minimum Deposit	Maximum Deposit	Annual Percentage Yield	Interest Rate
Accounts 91 Day IRA	Minimum Deposit N/A	Maximum Deposit N/A	Annual Percentage Yield 0.65%	Interest Rate 0.65%
Accounts 182 Day IRA	Minimum Deposit N/A	Maximum Deposit N/A	Annual Percentage Yield 0.85%	Interest Rate 0.85%
Accounts 12 Month IRA	Minimum Deposit N/A	Maximum Deposit N/A	Annual Percentage Yield 1.16%	Interest Rate 1.15%
Accounts 18 Month IRA	Minimum Deposit N/A	Maximum Deposit N/A	Annual Percentage Yield 1.21%	Interest Rate 1.20%
Accounts 30 Month IRA	Minimum Deposit N/A	Maximum Deposit N/A	Annual Percentage Yield 1.41%	Interest Rate 1.40%
Accounts 36 Month IRA	Minimum Deposit N/A	Maximum Deposit N/A	Annual Percentage Yield 1.46%	Interest Rate 1.45%
Accounts 60 Month IRA	Minimum Deposit N/A	Maximum Deposit N/A	Annual Percentage Yield 1.51%	Interest Rate 1.50%

Premium Interest Checking

Tiers	Minimum Deposit	Maximum Deposit	Annual Percentage Yield	Interest Rate
Tiers Tier 1	Minimum Deposit $1,500.00	Maximum Deposit $25,000.00	Annual Percentage Yield 1.00%	Interest Rate 1.00%
Tiers Tier 2	Minimum Deposit $25,000.01	Maximum Deposit $999,999,999.99	Annual Percentage Yield 0.30%	Interest Rate 0.30%

Tiers

Minimum Deposit

Maximum Deposit

Annual Percentage Yield

Interest Rate

Tiers

Tier 1

Minimum Deposit

$1,500.00

Maximum Deposit

$25,000.00

Annual Percentage Yield

1.00%

Interest Rate

1.00%

Tiers

Tier 2

Minimum Deposit

$25,000.01

Maximum Deposit

$999,999,999.99

Annual Percentage Yield

0.30%

Interest Rate

0.30%

Rates

Certificates of Deposits (CDs)

Money Maker

Premium Money Maker

NOW Checking Accounts

Individual Retirement Accounts (IRAs)

Premium Interest Checking

Savings Accounts

Dollars for A’s