Personal Savings

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

  • Competitive interest rate*
  • Low minimum initial deposit
  • Higher interest rate the more you save
  • 6 withdrawals per month at no cost
  • No minimum daily balance
  • Competitive interest rate*

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!