Citizens Community CU (ND/MN) Adds 280-912 Days Lifestyle CD


Deal Summary: 280 to 912 Days Lifestyle CD, 1.55% APY, $1k minimum, flexible end date.

Availability: Residents of eight northeast North Dakota communities and East Grand Forks, Minnesota.

Citizens Community Credit Union (Citizens Community CU) began the month by introducing three limited-time Lifestyle CDs, with “the flexibility to choose a maturity date for each CD term that is offered.” You can choose any term between 5 months and 3 years, and the rates ranged between 1.10% APY and 1.55% APY.

Of the three Lifestyle CDs, the 280 to 912 Days (1.55% APY) is the most competitive. (In case you don’t want to do the math, Citizens Community CU calculates 280 to 912 days to equal 9 months to 2.5 years.) This Lifestyle CD will automatically rollover to a 30-month CD if you do not withdraw the funds within 10 days of maturity.

According to CSR, the Early Withdrawal Penalty for each Lifestyle CD is tiered and dependent on the maturity date chosen.

Kasasa Cash

Citizens Community CU’s Kasasa Cash has been earning 3.00% APY on qualifying balances up to $25k for almost three years. Qualifying balances of $25k+ earn 0.25% APY, with non-qualifying balances earning 0.01% APY.

Kasasa Cash Qualifying Requirements

  • Have at least 12 debit card purchases.
  • Enroll in and log into online banking.
  • Enroll in and receive eStatements.

The Kasasa Cash account has no monthly service fee or minimum balance requirement; in addition, there is no minimum opening deposit requirement. Nationwide ATM fees will be reimbursed up to $25 per month, if the qualifying requirements are met. Individual ATM fees of $5.00 or higher require a receipt for reimbursement, submitted within 60 calendar days of the transaction. There is a limit of one account per Social Security number.

Kasasa Saver

The companion Kasasa Saver account earns an unimpressive 0.75% APY up to $20k, with qualifying balances of $20k+ earning 0.25% APY; non-qualifying balances earn 0.01% APY. The Kasasa Saver account links to the Kasasa Cash account, with an automatic monthly transfer of Kasasa Cash earnings.

Like the Kasasa Cash, the Kasasa Saver has no monthly service, no minimum balance requirement, or minimum opening deposit requirement.


Headquartered in Devils Lake, North Dakota, Citizens Community Credit Union’s field of membership (FOM) is residency based, with individuals who live in the northeast North Dakota communities of Bisbee, Devils Lake, Fort Totten, Grand Forks, Lakota, Larimore, Northwood, and St. John, and East Grand Forks, Minnesota, eligible for membership.

Joining Citizens Community Credit Union and/or opening a Lifestyle CD can be done at any of eight North Dakota branches located in Bisbee, Devils Lake, Grand Forks (2), Lakota, Larimore, Northwood, and St. John. The Credit Union also has a branch location in East Grand Forks, Minnesota.

Credit Union Overview

Citizens Community Credit Union has an overall health grade of "C+" at, with a Texas ratio of 47.25% (average) based on March 31, 2017 data. In the past year, Citizens Community CU has increased its total non-brokered deposits by $12.88 million, an excellent annual growth rate of 9.5%. Please refer to our financial overview of Citizens Community Credit Union (NCUA Charter # 60600) for more details.

Founded in 1940 as the Lake Region Co-op Credit Union (“Co-op” was dropped in 1972), the first organizational meeting was attended by 23 founding members, who deposited a total of $177.54. Mergers with Devils Lake School Federal Credit Union (1980) and Bisbee Credit Union (1992) expanded the Credit Union’s presence northeast North Dakota. The Citizens Community Credit Union re-brand occurred in 2000, as part of its 60th anniversary celebrations.

Its legacy as a strong financial institution within the Lake Region proved to be a "pillar of strength" for the community. Because of its strong heritage, much consideration was given to changing the name to be more reflective and representative of its growing member base.

How the Lifestyle CD Compares

When compared to the similar length-of-term CDs tracked by, which require a similar minimum deposit and are available within the FOM, Citizens Community Credit Union's 280 to 912 Days Lifestyle CD APY ranks first.

To look for the best CD rates, both nationwide and state specific, please refer to our CD rates table, or our Rates Map page.

How the Kasasa Cash Compares

When compared to the 22 High Yield Reward Checking Accounts tracked by that are available within the FOM and have maximum qualifying balances of at least $25k, Citizens Community Credit Union’s Kasasa Cash APY currently ranks first.

To look for the best Reward Checking Account rates, both nationwide and in your state, please refer to our High Yield Reward Checking Account rates table or our Rates Map page.

The above rates are accurate as of 8/10/2017.

Related Pages: Fargo checking accounts, reward checking accounts, 1-year CD rates, 5-year CD rates


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