Savings/CDs

It’s never too early, or too late to start saving for the future. At Citizens State Bank, we can help whether you’re ready to start a savings account, looking for a premium savings option or want to plan for retirement. We’ll help you select the right savings plan to help achieve your dreams.
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1. $3 Maintenance fee if daily ledger balance falls below $200 (maintenance fee waived for minors)
2. $25 Maintenance fee if daily ledger balance falls below $2500
3. Interest - Competitive Variable Annual Percentage Yield paid quarterly on daily collected balances. 
4. Interest- Competitive Variable Annual Percentage Yield, with tiered interest rates paid monthly on daily collected balance. 
5. Withdrawals - Unlimited number of withdrawals may be made in person. All other withdrawals are limited to 6 per month or similar 4 week period, for which a $2 fee is charged after the 6th withdrawal. (Limited transaction types i.e. ACH, internet transfers, phone bank transfers, sweeps) 
6. Withdrawals - Unlimited number of withdrawals may be made in person., All other withdrawals are limited to 6 per month or similar 4 week period, for which a $10 fee is charged after the 6th withdrawal. (Limited transaction types i.e. ACH, internet transfers, phone bank transfers, sweeps)
7. Monthly statements if customer has combined statement with a checking account or with any EFT transaction in the savings account.

 

Certificates of Deposit (CD)

If you’d like great rates and great choices on a Certificate of Deposit (CD), look no further. You can select from a variety of CDs depending on your needs and goals. We have term length options from 10 months to five years. You can also select regular CDs and IRA CDs. Check out current rates here.


A Unique CD Option

You can get an adjustable rate CD that breaks all the rules. Our Rule Breaker CD lets you:

  • Bump up your rate once during the term
  • Withdraw up to 50% with no penalty
  • Add to your CD

Talk to us about how to start a CD today! See our current rates for more information or contact us.