Interest Rates (Rate) & APY*
Effective August 8, 2025
Subject to change
| 7 Month CD Special* | $10,000 | 4.19% | 4.24% |
| 15 Month CD Special* | $10,000 | 4.09% |
4.14%
|
Personal Checking Accounts (Variable Rate)
| Type | Minimum to Open | Minimum Balance to Earn Stated Interest Rate & APY* | Interest Rate | APY* |
|---|---|---|---|---|
| Premium Interest Checking*** | $0 | $0-$1,499.99 $1,500.00 or more |
.04% .29% |
.04% .29% |
| 50+ Checking*** | $0 | No Minimum Balance | .24% | .24% |
Business Checking Accounts (Variable Rate)
| Business Interest Checking*** | $0 | No Minimum Balance | .51% | .51% |
Savings Accounts (Variable Rate)
| Citizens Select Money Market*** | $0 | $0-$24,999.99 $25,000.00-$99,999.99 $100,000.00-$249,999.99 $250,000.00-$499,999.99 $500,000.00 or more |
.61% 1.10% 1.60% 2.09% 2.58% |
.61%
1.11%
1.61%
2.11%
2.61%
|
| Advantage Money Market*** | $10,000 New Money** |
Below $25,000.00
$25,000.00 - $99,999.99
$100,000.00 - $249,999.99
$250,000.00 - $499,999.99
$500,000.00 or more
|
2.18%
2.48%
2.97%
3.36%
3.94%
|
2.20%
2.51%
3.01%
3.41%
4.01%
|
| Savings*** | $0 | No Minimum Balance | .04% | .04% |
| Health Savings Account*** | $0 | $0-$2,499.99 $2,500.00-$9,999.99 $10,000 or more |
.54% 1.07% 1.17% |
54% 1.07% 1.17% |
| IRA Savings*** | $0 | No Minimum Balance | .19% | .19% |
* Minimum opening deposit of $10,000 required. Substantial penalty for early withdrawal may apply. Fees may reduce earnings
** Minimum opening deposit of $10,000 in new money required. “New money” is defined as funds not currently on deposit with Citizens State Bank. Rates are variable and subject to change at any time. Fees may reduce earnings. Offer available for a limited time and may be withdrawn without notice. Other terms and conditions may apply.
***Interest rate may change after account has been opened.
Fees could reduce earnings.
See an account representative for additional information about the fees and terms applicable to an advertised account.
For current interest rate and APY* information please contact us.