Current interest rates, fees, and charges for all Citi Exchequers Bank products and services.
View Rates Below| Product/Service | Interest Rate (APY/APR) | Minimum Balance | Monthly Fee |
|---|---|---|---|
| Deposit Accounts | |||
| Checking Account | 0.01% APY | $0 | $12/month (waived with $1,500 balance or $500 daily balance in combined deposits and investments) |
| Interest Checking | 0.05% APY | $15,000 | $25/month (waived with $25,000 balance) |
| Regular Savings | 0.02% APY | $100 | $0 |
| High-Yield Savings | 4.25% APY | $500 | $0 |
| Money Market | 3.95% APY | $2,500 | $0 (with $2,500 balance) |
| Certificates of Deposit (CDs) | |||
| 6-Month CD | 4.50% APY | $500 | $0 |
| 12-Month CD | 4.75% APY | $500 | $0 |
| 24-Month CD | 4.85% APY | $500 | $0 |
| 36-Month CD | 4.90% APY | $500 | $0 |
| 60-Month CD | 5.00% APY | $500 | $0 |
| Loans | |||
| Personal Loan (Unsecured) | 8.99% - 24.99% APR | Based on creditworthiness | |
| Auto Loan (New) | 6.74% - 12.24% APR | Based on creditworthiness and loan term | |
| Auto Loan (Used) | 7.24% - 12.74% APR | Based on creditworthiness and loan term | |
| Home Equity Line of Credit (HELOC) | 7.50% - 12.50% APR | Based on creditworthiness and Prime Rate | |
| Mortgages | |||
| 30-Year Fixed Rate Mortgage | 7.25% APR | Based on creditworthiness, loan amount, and down payment | |
| 15-Year Fixed Rate Mortgage | 6.75% APR | Based on creditworthiness, loan amount, and down payment | |
| 5/1 Adjustable Rate Mortgage (ARM) | 6.50% APR (Initial) | Based on creditworthiness, loan amount, and down payment | |
| Credit Cards | |||
| Standard Credit Card | 20.24% - 28.24% APR | Based on creditworthiness | |
| Rewards Credit Card | 21.24% - 29.24% APR | Based on creditworthiness | |
| Balance Transfer Intro APR | 0% for 15 months | Then variable APR applies | |
| Cash Advances | 25.24% - 29.99% APR | No promotional rate | |
| Business Banking | |||
| Business Checking | 0.01% APY | $0 | $15/month (waived with $5,000 balance) |
| Business Savings | 0.05% APY | $100 | $0 |
| Business Line of Credit | 9.00% - 15.00% APR | Based on creditworthiness | |
| International Services | |||
| Foreign Transaction Fee | 3% of transaction amount | $0 | |
| Wire Transfer (Domestic) | $35 | $0 | |
| Wire Transfer (International Outgoing) | $50 | $0 | |
| Cashier's Check | $10 | $0 | |
Disclaimer: Rates and fees are subject to change at any time without notice. The rates listed are current as of the effective date shown. Actual rates and fees may vary based on account features, customer relationship, and other factors. Please consult our current fee schedule or contact a banking representative for the most up-to-date information and complete terms and conditions. Some products may have additional eligibility requirements. Rates for loans and credit cards are based on individual creditworthiness. Mortgage rates are subject to change daily and are based on specific loan programs and borrower qualifications. Member FDIC. Equal Housing Lender.
Interest rates for deposit accounts like savings, CDs, and Money Market accounts can change periodically based on market conditions. We will provide advance notice for any changes that would reduce your existing APY. Rates for loans and credit cards are based on individual creditworthiness and market indices, and may adjust according to the terms of your agreement.
The rates displayed on this page are current as of the effective date shown. You can always find the most up-to-date rates on our website, through our mobile app, or by contacting our customer service team. Rates are also posted at all branch locations. For personalized rate information based on your specific situation, please contact a banking representative.
Yes, many of our fees can be waived. For example, monthly maintenance fees on checking and savings accounts can often be avoided by maintaining a minimum balance or meeting other criteria outlined in the fee schedule. Please review the details for your specific account or speak with a representative to learn how to minimize fees.
We value our customer relationships. Depending on the products and services you use, you may be eligible for fee discounts, higher interest rates on deposits, or preferred rates on loans. Our relationship managers can provide details on available benefits for valued customers.
