Personal Savings Options

Achieve your financial goals with a savings account at Citizens State Bank

PERSONAL SAVINGS ACCOUNTS

This account is designed to help you grow your savings while maintaining easy access to your funds

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MONEY MARKET DEPOSIT ACCOUNTS

This account is designed to help you grow your savings with a higher interest rate and access to your funds.

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HEALTH SAVINGS ACCOUNTS

This account offers features that make it easier for you to save money on healthcare expenses.

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CERTIFICATE OF DEPOSIT (CD)

This account is typically offers higher interest rates in exchange for a fixed deposit period.

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INSURED CASH SWEEP ACCOUNTS

This account is a way to deposit large sums of money in one bank while still being FDIC-insured.

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Compare accounts to find the best choice for you.

  Minimum initial deposit Minimum daily balance Interest rate
Savings Account $25 No Competitive interest rate*
Money Market Account $100 $2,500.00 to accrue interest Higher interest rate the more you save*
Health Savings Account $100 No Competitive interest rate*

Certificates of Deposit

There is a $1,000.00 minimum deposit required to open a Certificate of Deposit (CD). Interest is based on terms. Penalties may apply for early withdrawal.*

Citizens State Bank has Certificates of Deposit available in the following time increments:

*Please see a customer service representative for current rate information and our calculation method.

CDs have variable rates and these rates are subject to change at the discretion of Citizens State Bank. Interest accrues from the date of the original deposit. The annual percentage yield disclosed to you assumes interest remains on the deposit until maturity. Interest on all CDs is calculated on a 365-day basis. The daily balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day. You may not make additional deposits or withdrawals until the maturity date. The CD renews automatically.

Safe Deposit Boxes

Contact your local Citizens State Bank location for current available sizes and rates!