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Citizens State Bank

Deposit Rates

The Annual Percentage Yield is effective as of December 19, 2024. Interest Rates are subject to change at any time.

ACCOUNT TYPE

MINIMUM OPENING DEPOSIT1

MINIMUM BALANCE TO OBTAIN APY2

INTEREST RATE2

APY^

Investment checking*4

$100.00

$1,000.00 - $2,999.99

0.20%

0.20%

 

$100.00

$3,000.00 +

0.30%

0.30%

Prime Money Market*

None

$50,000.00 - $149,999.99

1.50%

1.51%

 

 

$150,000.00 - $249,999.99

1.80%

1.81%

 

 

$250,000.00 - $499,999.99

2.15%

2.17%

 

 

$500,000.00 +

2.50%

2.53%

Portfolio Money Market*

None

$10,000.00 - $24,999.99

0.70%

0.70%

 

 

$25,000.00 - $49,999.99

0.90%

0.90%

 

 

$50,000.00 - $149,999.99

0.95%

0.95%

 

 

$150,000 +

1.10%

1.11%

Premier Money Market*

None

$2,500.00 - $4,999.99

0.55%

0.55%

 

 

$5,000.00 - $9,999.99

0.60%

0.60%

 

 

$10,000.00 +

0.65%

0.65%

Passbook Savings*

None

None

0.60%

0.60%

Thrift Savings*

$50.00

$300.00

0.07%

0.07%

Health Savings Account*

$50.00

$500.00 - $4,999.99

0.05%

0.05%

 

 

$5,000.00 - $9,999.99

0.05%

0.05%

 

 

$10,000.00 - $24,999.99

0.20%

0.20%

 

 

$25,000.00 - $49,999.99

0.30%

0.30%

 

 

$50,000.00 +

0.45%

0.45%

91 Day Certificate of Deposit

$500.00

$500.00

2.50%

2.53%

182 Day Certificate of Deposit

$500.00

$500.00

3.25%

3.28%

1 Year Certificate of Deposit (Over $500.00)

$500.00

$500.00

3.15%

3.19%

1 Year Certificate of Deposit (Under $500.00)

$100.00

$100.00

2.50%

2.52%

18 Month Certificate of Deposit

$500.00

$500.00

2.60%

2.63%

30 Month Certificate of Deposit

$500.00

$500.00

2.60%

2.63%

4 Year Certificate of Deposit

$500.00

$500.00

2.35%

2.37%

6 Year Certificate of Deposit

$500.00

$500.00

2.35%

2.37%

18 Month Variable IRA Certificate of Deposit

$250.00

$250.00

2.05%

2.07%

30 Month Fixed IRA Certificate of Deposit

$250.00

$250.00

2.55%

2.57%

^Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365 day period. The APY assumes that interest will remain on deposit until maturity. If interest is withdrawn prior to maturity, earnings will be reduced. A penalty may be imposed for early withdrawal on Certificates of Deposit.

  1. The stated "Minimum Opening Deposit" may not meet the minimum balance to waive monthly maintenance fees.
  2. The minimum balance to obtain the added APY is determined using the daily balance method. That is, in order to earn the stated rate, the balance amount indicated must be maintained each day during the interest payment period.
  3. Accounts marked with an * are variable rate accounts. As such, the interest rate and Annual Percentage Yield may change at any time. The variable rate certificate of deposit interest and Annual Percentage Yield may change monthly.
  4. Contact us for eligibility requirements.
  5. Fees may reduce earnings.