Personal Savings
Achieve your financial goals with a savings account at Citizens State Bank
SAVINGS ACCOUNTS
- Competitive interest rate*
- Low minimum initial deposit
Rate Information:
This Account is an interest bearing account.
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account Monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations:
You must deposit $25.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Account Fees:
Up to 2 withdrawals per month
No Fee
Over 2 withdrawals per month
$5.00 each
This Account is an interest bearing account.
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account Monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations:
You must deposit $25.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Account Fees:
Up to 2 withdrawals per month
No Fee
Over 2 withdrawals per month
$5.00 each
MONEY MARKET DEPOSIT ACCOUNTS
- Higher interest rate the more you save
- 6 withdrawals per month at no cost
At our discretion, we may change the interest rate on the account monthly.
Rate Information:
This Account is an interest bearing account.
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account Monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $100.00 to open this account.
Account Fees:
$2,500 and over
No monthly service charge
Below $2,500
$10.00 per month
Up to 6 withdrawals per month No Fee
Over 6 withdrawals per month $15.00 each.
Rate Information:
This Account is an interest bearing account.
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account Monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $100.00 to open this account.
Account Fees:
$2,500 and over
No monthly service charge
Below $2,500
$10.00 per month
Up to 6 withdrawals per month No Fee
Over 6 withdrawals per month $15.00 each.
HEALTH SAVINGS ACCOUNTS
- No minimum daily balance
- Competitive interest rate*
Rate Information:
This Account is an interest bearing account.
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account Monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations:
You must deposit $100.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Account Fees:
$25 Health Savings Account Closing Fee.
This Account is an interest bearing account.
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account Monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations:
You must deposit $100.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Account Fees:
$25 Health Savings Account Closing Fee.
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:
Rate Information:
This Account is an interest bearing account.
The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 1 Month. Interest begins to accrue On date of deposit . Interest will not be compounded on the account. Interest will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.
Time Account Information:
Your account will mature in 1 Month. If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest.
This account will automatically renew. You will have 10 after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
This Account is an interest bearing account.
The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 1 Month. Interest begins to accrue On date of deposit . Interest will not be compounded on the account. Interest will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.
Time Account Information:
Your account will mature in 1 Month. If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest.
This account will automatically renew. You will have 10 after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
Rate Information:
This Account is an interest bearing account.
The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 3 Month. Interest begins to accrue On date of deposit . Interest will not be compounded on the account. Interest will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date. Time
Account Information:
Your account will mature in 3 Months. If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest .
This account will automatically renew. You will have 10 after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
This Account is an interest bearing account.
The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 3 Month. Interest begins to accrue On date of deposit . Interest will not be compounded on the account. Interest will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date. Time
Account Information:
Your account will mature in 3 Months. If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest .
This account will automatically renew. You will have 10 after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
Rate Information:
This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 6 Months.
Interest begins to accrue On date of deposit . Interest will not be compounded on the account. Interest will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.
Time Account Information:
Your account will mature in 6 Month . If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest
This account will automatically renew. You will have 10 Days after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 6 Months.
Interest begins to accrue On date of deposit . Interest will not be compounded on the account. Interest will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.
Time Account Information:
Your account will mature in 6 Month . If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest
This account will automatically renew. You will have 10 Days after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
Rate Information:
This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 Month.
Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded semi-annually and will be credited semi-annually. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.
Time Account Information:
Your account will mature in 12 Month . If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest
This account will automatically renew. You will have 10 after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 Month.
Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded semi-annually and will be credited semi-annually. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.
Time Account Information:
Your account will mature in 12 Month . If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest
This account will automatically renew. You will have 10 after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
Rate Information:
This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 Months.
Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded semi-annually and will be credited semi-annually. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.
Time Account Information:
Your account will mature in 24 Months. If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest.
This account will automatically renew. You will have 10 after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 Months.
Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded semi-annually and will be credited semi-annually. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.
Time Account Information:
Your account will mature in 24 Months. If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest.
This account will automatically renew. You will have 10 after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
Rate Information:
This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 Months.
Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded semi-annually and will be credited semi-annually. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.
Time Account Information:
Your account will mature in 36 Month. If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest.
This account will automatically renew. You will have 10 after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 Months.
Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded semi-annually and will be credited semi-annually. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an COLTAF Trust Account, then Interest (less applicable fees and service charges) will be sent to the Colorado Lawyer Trust Account Foundation. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:
You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.
Time Account Information:
Your account will mature in 36 Month. If you withdraw any of the principal before the maturity date, we may impose a penalty of
Up to 6 Days 7 Days simple interest
7 day to 31 days all interest earned
32 days to one (1) year 30 days simple interest
more than one (1) year 90 days simple interest.
This account will automatically renew. You will have 10 after the maturity date to withdraw funds without penalty.
If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
*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!
