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Checking Accounts
Current rates as of August 22, 2014
Minimum Deposit to Earn APY
Interest Rate
APY*
Interest Checking**
$0
.03%
.03%
Money Market Checking**
$0-$7,499.99
.03%
.03%
$7,500.00-$24,999.99
.15%
.15%
$25,000.00-$99,999.99
.20%
.20%
$100,000.00-$299,999.99
.24%
.24%
$300,000.00 or more
.34%
.34%
Treasury Checking**
$0 - $2,499.99
.03%
.03%
$2,500.00 or more
.11%
.11%
Health Savings Account**
$0-$9,999.99
.06%
.06%
$10,000.00 or more
13%
.13%
REQUEST FURTHER INFORMATION FROM A CITIZENS STATE BANK REPRESENTATIVE CONCERNING THE
FEES AND TERMS APPLICABLE TO THE ADVERTISED ACCOUNT
FEES MAY REDUCE EARNINGS ON THE ACCOUNT
*APY = ANNUAL PERCENTAGE YIELD
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**REQUIRES $50 MINIMUM DEPOSIT TO OPEN THIS ACCOUNT
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Savings Accounts,
Current rates as of August 22, 2014
Minimum Deposit to Earn APY
Interest Rate
APY *
Regular Savings**
$0
.06%
.06%
IRA Savings**
$0
.31%
.31%
Treasury Savings**
$0-$9,999.99
.06%
.06%
$10,000.00 or more
.13%
.13%
REQUEST FURTHER INFORMATION FROM A CITIZENS STATE BANK REPRESENTATIVE CONCERNING THE
FEES AND TERMS APPLICABLE TO THE ADVERTISED ACCOUNT
FEES MAY REDUCE EARNINGS ON THE ACCOUNT
*APY = ANNUAL PERCENTAGE YIELD
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**REQUIRES $50 MINIMUM DEPOSIT TO OPEN THIS ACCOUNT
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Certificates of Deposit, Current rates as of August 22, 2014
Term
$500-$9,999
Interest Rate/APY
$10,000-$49,999
Interest Rate/APY
$50,000-$99,999
Interest Rate/APY
$100,000 or More
Interest Rate/APY
1 Year
.20/.20%
.25/.25%
.30/.30%
.35/.35%
2 Year
.30/.30%
.40/.40%
.45/.45%
.50/.50%
3 Year
.40/.40%
.60/.60%
.75/.75%
.85/.85%
5Year
.50/.50%
.85/.85%
.95/.95%
1.05/1.05%
2yr, 3yr, and 5yr Certificates of Deposit qualify as IRA accounts.
*APY = Annual Percentage Yield
**Must meet all eligibility requirements.
Penalty for early withdrawal may apply
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Rule Breaker CD Current rates as of August 22, 2014
Term
Minimum Deposit to open and earn stated APY*
Interest Rate
APY*
10 Month ++
$10,000.00
.37/.45
.37%/.45%
20 Month ++
$10,000.00
.54/.65
.54%/.65%
Minimum opening deposit for the 10 Rule Breaker CD is $5,000. Minimum opening deposit for the 20 Rule Breaker CD is $10,000. There is a one time option, during the term, to increase the rate on your Rule Breaker CD to the rate being offered on the same term Rule Breaker CD at that time. Additional deposits (minimum $1,000) may be made to your Rule Breaker CD at any time, in increments of $1,000 or more up to the original amount of the CD but not to exceed $25,000. A one time withdrawal of up to 50% of the opening deposit is allowed with no penalty. A withdrawal in excess of 50% will result in a six month interest penalty whether earned or not. Withdrawals made within six days of account opening are subject to at least seven days simple interest penalty. Consumer deposits only. We reserve the right to decline or limit deposits.
++ Active transaction account is required for higher rate and APY.
See our Checking Brochure for account options and details.
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL.
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