This Rates and Fees page contains information about Interest Rate(s) (“Rate(s)”) and Annual Percentage Yield(s) (“APY(s)”) for some of the accounts we offer.
Deposit Rates
Deposit Rates updated as of February 21, 2024.
Personal CD Rates
| CD Type and Term | Minimum Deposit to Open Account | Interest Rate | Annual Percentage Yield (APY) 2 |
|---|---|---|---|
| 6 Month CD 1 | $1,000 | 1.99% | 2.00% |
| 12 Month CD 1 | $1,000 | 2.78% | 2.80% |
| 18 Month CD 1 | $1,000 | 2.98% | 3.00% |
| 24 Month CD 1 | $1,000 | 2.48% | 2.50% |
| 36 Month CD 1 | $1,000 | 2.58% | 2.60% |
| 48 Month CD 1 | $1,000 | 2.63% | 2.65% |
| 60 Month CD 1 | $1,000 | 2.78% | 2.80% |
Personal Savings Rates
| Account Type | Minimum Balance to Obtain APY | Annual Percentage Yield (APY) |
|---|---|---|
| Personal Savings 4 5 | $100 7 | 0.20% |
| Personal Youth Savings 4 5 | $100 7 | 0.20% |
Personal Money Market Rates
| Personal Money Market Range4 | Minimum Balance to Obtain APY | Annual Percentage Yield (APY) |
|---|---|---|
| Qualifying balance up to $24,999.99 | $1000 6 | 0.55% |
| $25,000.00 - $74,999.99 | 0.60% | |
| $75,000.00 - $149,999.99 | 0.70% | |
| $150,000.00 - $249,999.99 | 0.80% | |
| $250,000.00 and up | 0.95% |
Personal Checking Accounts Rates
| Account Type | Minimum Balance to Obtain APY | Annual Percentage Rate (APY) |
|---|---|---|
| eChecking 4 | $500 6 | 0.13% |
| eChecking Bonus Rate4 | $500 6 | 1.00% 8 |
| Benefit 50 4 | $500 6 | 0.10% |
Health Savings Accounts
| Health Savings Account Range 4 | Annual Percentage Yield (APY) |
|---|---|
| $0.01 - $4,999.99 | 0.20% |
| $5,000.00 - $9,999.99 | 0.23% |
| $10,000.00 - $99.999.99 | 0.30% |
Business CD Rates
| CD Type and Term | Minimum Deposit to Open Account | Interest Rate | Annual Percentage Yield (APY) 2 |
|---|---|---|---|
| 6 Month CD 1 | $1,000 | 1.99% | 2.00% |
| 12 Month CD 1 | $1,000 | 2.78% | 2.80% |
| 18 Month CD 1 | $1,000 | 2.98% | 3.00% |
| 24 Month CD 1 | $1,000 | 2.48% | 2.50% |
| 36 Month CD 1 | $1,000 | 2.58% | 2.60% |
| 48 Month CD 1 | $1,000 | 2.63% | 2.65% |
| 60 Month CD 1 | $1,000 | 2.78% | 2.80% |
Business and Non-Profit Savings Rates
| Account Type | Minimum Balance to Obtain APY | Annual Percentage Yield (APY) |
|---|---|---|
| Business Savings | $1006 | 0.20% |
| Non-Profit Savings | $1006 | 0.20% |
Business and Non-Profit Money Market Rates
| Business and Non-Profit Money Market Range4 5 | Minimum Balance to Obtain APY | Annual Percentage Yield (APY) |
|---|---|---|
| Qualifying balance up to $24,999.99 | $10007 | 0.60% |
| $25,000.00 - $74,999.99 | 0.65% | |
| $75,000.00 - $149,999.99 | 0.70% | |
| $150,000.00 - $249,999.99 | 0.80% | |
| $250,000.00 and up | 0.95% |
Listed rates subject to change without notice.
1 A penalty may be imposed for early withdrawal.
2 The interest rate and annual percentage yield (APY) may change after account opening.
4The interest rate and annual percentage yield may change after account opening.
5Fees could reduce the earnings on the account.
6Daily balance. The amount of principal in the account each day.
8To qualify for the additional bonus interest rate, you must maintain a minimum balance of $500.00 each day of the statement cycle, receive 1 ACH deposit in the account per statement cycle, and have 15 POS transactions posted to the account per statement cycle. The maximum balance the bonus interest rate will apply to is $25,000.
Fees
| Fee Type | Amount |
|---|---|
| Use of The Citizens State Bank ATMs with CSB ATM/Debit Cards | FREE |
| Use of The Citizens State Bank ATMs by non-customer | $3.00 |
| Replacement ATM/Debit Card | $5.00 |
| ISA/Cross Border Transactions Fee (International Debit Card Fee) | 1.95% |
| HSA Debit Card - Additional Card Fee | $3.00 |
| Instant Issue Specialty Design Card | $8.00 |
| Excessive Withdrawal Fee | $1.00 per item over 6 Occurs when more than 6 withdrawals or transfers are made in a statement period from a Savings or Money Market account. |
| Overdraft Fee NSF | $30.00 |
| Returned Item Fee | $30.00 |
| Stop Payment Fee | $30.00 |
| Bill Pay Check Stop Pay | $30.00 |
| Internet Banking Stop Payment (Checks Only) | $25.00 |
| Deposited Item Return Fee | $5.00 |
| Inactive Account Fee | $5.00 |
| Dormant Account | $10.00 |
| Statement Copy - Per Page (Printed) | $5.00 |
| Statement Copy - Per Statement (Secure emailed) | $2.00 |
| Ready Reserve Annual Fee | $15.00 |
| Ready Reserve Per Transfer Fee | $4.00 |
| Funds Management Transfer Fee | $2.00 |
| Funds Management Opt In for Notices Annual Fee | $50.00 |
| Schedule Transfers - Funds transferring outside the bank | $3.00 |
| Wire Transfer Incoming Domestic | $10.00 |
| Wire Transfer Incoming International | $15.00 |
| Wire Transfer Outgoing Domestic | $20.00 |
| Wire Transfer Outgoing International | $55.00 |
| Collection Items | $15.00 |
| International Checks Deposited Under $500 | $10.00 |
| International Checks Deposited Over $500 | Free |
| Foreign Currency - Exchange | 1% or $3.00 |
| Foreign Currency Order Fee | $15.00 |
| Levy/ Garnishment | $30.00 |
| Cashier's Check | $5.00 |
| Money Order | $5.00 |
| Coin Exchange Fee - Non Customer | 10% of Amount |
| Coin Exchange - Customer | Free |
| Safe Deposit Box - Drill Fee | $200.00 |
| Safe Deposit Box - Replacement Key Fee | $25.00 |
| Photo Copy | .10 per copy |
| Account Research Per Hour | $40.00 - Minimum $20.00 |
| Fax Incoming Per Page | $1.00 |
| Fax Outgoing | $5.00 |
| Check Cashing - Minimum | Up to $500.00 - $5.00 Over $500.00 - 1% rounded up to the next dollar amount |
| Notary | Customer - Free Non-Customer - $10.00 |
| Gift Card (Non-Reloadable) - Purchase Fee | $6.00 |
| Travel Card (Reloadable) - Purchase Fee | $6.00 |
| Travel Card - Reload Fee | $4.00 |
