Rates

Rates for Citizens State Bank effective as of November 12, 2019.

Rates Subject to change without notice.

Certificates of Deposit*

Term Length Rate Annual Percentage Yield**
Minimum Opening Deposit


3 Month 0.51% 0.51% $1,000

6 Month 1.00% 1.01% $1,000

11 Month  2.00% 2.02% $1,000

12 Month 1.60% 1.61% $1,000

18 Month 1.40% 1.41% $1,000

24 Month 1.70% 1.71% $1,000

36 Month 1.80% 1.82% $1,000

48 Month 1.90% 1.92% $1,000

 

Jumbo Certificates of Deposit*

Term Length Rate Annual Percentage Yield**
Minimum Opening Deposit


3 Month 0.61% 0.61% $100,000

6 Month 1.10% 1.11% $100,000

 11 Month  2.00%  2.02% $100,000

12 Month 1.70% 1.71% $100,000

18 Month 1.50%
1.51% $100,000

24 Month 1.80% 1.82% $100,000

36 Month 1.90% 1.92% $100,000

48 Month 2.00% 2.05% $100,000

*A penalty may be imposed for early withdrawal.

**The Annual Percentage Yield is paid on all balances.

NOW Account

Fees could affect earnings on account
This is a variable rate account; rate(s) and APY(s) may change after account is opened.
Rate Annual Percentage Yield Minimum Opening Deposit Minimum To Obtain Yield
0.250% 0.250% $100 $0.01

 

PREFERRED INVESTMENT ACCOUNT

Fees could affect earnings on account
This is a variable rate account; rate(s) and APY(s) may change after account is opened. You must maintain a minimum daily balance of $1,000 to obtain disclosed annual percentage yield.
Deposit Amount Rate Annual Percentage Yield Minimum to Obtain Yield
$1,000 - $24,999.99 0.190% 0.190% $1,000
$25,000 - $49,999.99 0.260% 0.260% $25,000
$50,000 - $99,999.99 0.570% 0.570% $50,000
$100,000 - $249,999.99 0.740% 0.740% $100,000
$250,000 and above 0.790% 0.790% $250,000

 

SAVINGS ACCOUNT

Fees could affect earnings on account
This is a variable rate account; rate(s) and APY(s) may change after account is opened.
Minimum Opening Deposit Rate Annual Percentage Yield Minimum To Obtain Yield
$100 0.540% 0.540% $0.01

 

HEALTH SAVINGS ACCOUNT

Fees could affect earnings on account
This is a variable rate account; rate(s) and APY(s) may change after account is opened.
Deposit Amount Rate Annual Percentage Yield Minimum to Obtain Yield
$0.01 - $4,999.99 0.100% 0.100% $0.01
$5,000 - $9,999.99 0.400% 0.400% $5,000
$10,000 and above 0.500% 0.500% $10,000

 

IRA ACCOUNT

Fees could affect earnings on account
This is a variable rate account; rate(s) and APY(s) may change after account is opened.
Interest Rate Annual Percentage Yield Minimum To Open Minimum To Obtain Yield
2.35% 2.38% $100 $0.01

Deposit Insurance

Learn how deposit insurance works at the FDIC Insurance Coverage web page.