Citizens State Bank
Citizens State Bank

CDs, IRAs & HSAs

Certificates of Deposit

A safe way to earn higher interest on your money.

  • Variable Interest Rates
  • Maturities from 3 months to 60 months
  • CD’s may be automatically renewed
  • No Service Charges
  • Penalties may apply for early withdrawal
  • $1,000 Minimum Balance
  • $1,000 Initial Deposit
  • Tiered CD rates

IRA Accounts

Individual Retirement Accounts.

  • Traditional, Roth and Educational IRA’s available
  • Minimum deposits, rates and terms available
  • Withdrawals subject to IRS restrictions, penalties may apply
  • Variable and fixed interest rate options


Health Savings Accounts.

  • Tax exempt account now available for qualifying customers for medical expenses
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