Personal Savings & CDs

Looking for great rates and easy access to your money?
Click here to view the complete details of our personal savings accounts. Our Prime Time Money Market pays great rates which are variable and tiered, so you earn more as your balances grow.

Click here to view our complete Personal Banking Brochure.

It's easy to apply!
Complete our application and bring it with you when you meet with a banker, or you can mail or drop it off to get the process started. Please DO NOT EMAIL your completed application to us. We want to ensure your privacy and security.

Bank with us and keep the community strong.
When you bank with us, your money stays in the community. We reinvest our resources locally to help individuals, families, businesses and non-profits grow and prosper. Let's work together to help our community thrive.

What are you saving for?
Whether you are just starting to save or have a large amount of money, we’re here for you! Enjoy easy access to your FDIC insured money in all of our savings accounts.

Teach your children (and grandchildren) to save.
Good saving habits are important at every age. We offer a no minimum balance Youth Savings for our customers up to age 17. There are no fees in this variable rate savings account.

CDs offer a fixed rate of return.
We offer Certificates of Deposit (CDs) from 6 months to 60 months, with a low, $1000 minimum opening deposit. CD rates are tiered, FDIC insured, and we offer special rates for balances over $100,000.
(There are no fees associated with CDs. CDs are automatically renewable. A penalty applies for early withdrawal prior to the maturity date.)

Enjoy 24/7 convenience with Online Banking, Mobile Banking and Telephone Banking, too!
Learn more about these in the Digital Banking section of our website.

Moving your accounts to Citizens State Bank is EASY.
We created a Switch Kit that has everything you need to move your accounts from your old financial institution. You can mail your requests to close accounts, change automatic payments and change direct deposits. You don’t even have to visit your old financial institution in person.

Want more information about FDIC insurance coverage?
Use the FDIC’s Electronic Deposit Insurance Estimator (EDIE) for more information.

Please contact us for assistance.