Interest Rates (Rate) & APY*
Effective July 11, 2025
Subject to change
Rule Breaker CD's
*Annual Percentage Yields (APYs) effective as of 5/30/2025. Fees may reduce earnings. You may exercise your option to exchange your interest rate and APY one time during the term of the CD. Minimum opening deposit of $10,000 required. Penalty for early withdrawal may apply. You have the option to withdraw up to 50% of the opening deposit of the CD without penalty; however, a CD penalty will apply if the withdrawal is taken within the first week after opening or a deposit is made or within six days after a partial withdrawal. You may also make deposits into your CD up to the original amount of the CD up to $25,000. Minimum amount of additional deposit is $1,000.
| Type |
Minimum to Open & Earn Stated APY* | Interest Rate |
APY* |
|---|---|---|---|
|
10 Month Rule Breaker*
|
$10,000 | 4.19% | 4.24% |
| 20 Month Rule Breaker* | $10,000 | 4.10% |
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% |
* Fees may reduce earnings. You may exercise your option to exchange your interest rate and APY (Annual Percentage Yield) one time during the term of the CD. Minimum opening deposit of $10,000 required. Penalty for early withdrawal may apply. You have the option to withdraw up to 50% of the opening deposit of the CD without penalty; however, a CD penalty will apply if the withdrawal is taken within the first week after opening or a deposit is made or within six days after a partial withdrawal. You may also make deposits into your CD up to the original amount of the CD up to $25,000. Minimum amount of additional deposit is $1,000.
** 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.