side

Business BillPay




Protect Your Financial Information

Rates



Interest rates effective as of October 1, 2014
Selected Deposit Rates
Minimum Deposit to Open Account Interest Rate Annual Percentage Yield


Personal Banking
Checking
CSB Premium Checking $500.00
Balance less than $10,000.00 .05% .05%
$10,000.00 to $19,999.99 .10% .10%
$20,000.00 to $49,999.99 .40% .40%
Balance $50,000.00 and Up .60% .60%

Frequency of rate change - We may change the interest rate on your account at any time.
 
Determination of rate - At our discretion, we may change the interest rate on your account at any time. 
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. 
Minimum balance to open the account - You must deposit $500.00 to open this account. 
Minimum balance to avoid imposition of fees - A maintenance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle. 
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). 



Savings Minimum Deposit to Open Account Interest Rate Annual Percentage Yield
Statement Savings $50.00 .15% .15%
Young Citizens Savings $ 1.00 .15% .15%
Christmas Club Savings $ 5.00 .15% .15%

Frequency of rate change - We may change the interest rate on your account at any time.
 
Determination of rate - At our discretion, we may change the interest rate on your account at any time. 
Compounding and crediting frequency - Interest will be compounded every quarter. Interest will be credited to your account every quarter. 
Minimum balance to open the account - You must deposit $50.00 to open a statement savings, $1.00 to open a Young Citizens Savings, and $5.00 to open a Christmas Club Savings. 
Minimum balance to avoid imposition of fees - *A maintenance fee of $3.00 will be imposed every calendar month if the balance in the account falls below $50.00 any day of the month. 
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks.) 
Transaction limitations - *Transfers from an EFT Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per month with no transfers by check, debit card, or similar order to third parties. 



Money Market Index Minimum Deposit to Open Account Interest Rate Annual Percentage Yield
Balance less than $10,000.00 $2,500.00 .15% .15%
$10,000.00 to $19,999.99 $2,500.00 .15% .15%
$20,000.00 to $49,999.99 $2,500.00 .15% .15%
Balance $50,000.00 and Over $2,500.00 .67% .67%

Frequency of rate change - The interest rate on your account may change monthly.
 
Determination of rate - The interest rate on your account will be equal to the Average Money Market Rate as published in the Wall Street Journal, plus or minus a rate adjuster, depending on which rate tier your account balance is in. 
Compounding and crediting frequency - interest will be compounded every month. Interest will be credited to your account every month. 
Minimum balance to open account - You must deposit $2,500.00 to open this account. 
Minimum balance to avoid imposition of fees - A maintenance fee of $7.00 will be imposed each monthly cycle if the average daily balance for the monthly statement cycle falls below $2,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. 
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). 
Transaction limitations - Transfers from an Indexed Money Market Deposit Account to another account or to third parties by preauthorized, automatic, telephone or computer transfer or by check, or similar order to third parties are limited to six per statement cycle. 
Fees - A per item fee of $2.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account). This fee will apply if the average daily balance falls below $2,500.00 during the monthly statement cycle. 


The following information applies to all accounts listed above: Rate Information - Your interest rate and annual percentage yield may change. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
 



Certificates of Deposit (IRA Eligible) Minimum Deposit to Open Account Interest Rate Annual Percentage Yield*
91 day $100.00 0.30% 0.30%*
182 day $100.00 0.35% 0.35%*
12 month $100.00 0.60% 0.60%*
18 month $100.00 0.70% 0.70%*
24 month $100.00 0.75% 0.75%*
30 month $100.00 0.80% 0.80%*
36 month $100.00 0.90% 0.90%*
48 month $100.00 0.95% 0.95%*
60 month $100.00 1.00% 1.00%*
84 month $100.00 1.00% 1.00%*

*ASSUMING INTEREST COMPOUNDED AND CREDITED MONTHLY
 

Minimum balance of $100.00 required to open a Certificate of Deposit.
 

The annual percentage yields shown above assume that all principal and interest remain on deposit for the entire term. A withdrawal will reduce earnings.
 

Rate is compounded monthly for annual percentage yield. Interest rates and annual percentage yields are subject to change at any time without notice.
 

We use the daily balance computation method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
 

Interest begins to accrue on the business day you deposit noncash items (for example, checks).
 

You can only withdraw interest accrued in the term before maturity of that term without penalty. You can withdraw interest any time.
 

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal.
 

You may not make any deposits into your account before maturity.
 

The account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity or within the 10 calendar day grace period provided after the maturity date. If you or we prevent renewal, interest will not accrue after final maturity.
 

A substantial penalty may be imposed for early withdrawal from Certificates of Deposit.
 

Early withdrawal penalties - If your account has an original maturity of one year or less: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year: The fee we may impose will equal six months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if account is part of an IRA.
 

Additional account disclosure information is provided in the Account Rules. For current interest rate and annual percentage yield information, call 289-4253, 726-2111, or 720-3670.
 



Variable Rate IRA Minimum Deposit to Open Account Interest Rate Annual Percentage Yield
Citizens Saver IRA None 2.00% 2.02%*

*Compounding and crediting frequency - Interest will be compounded every quarter. Interest will be credited to your account every quarter. Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate change - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
 



 


Selected Consumer Loan Rates APR Term In Months Monthly Payment Per Thousand Rate Guarantees


Automobile Loans
New Car as low as 2.54% 24 months $42.78 Fixed
as low as 2.80% 36 months $28.99 Fixed
as low as 3.05% 48 months $22.16 Fixed
as low as 3.30% 60 months $18.10 Fixed
A down payment of up to 20% may be required. Based on $10,000 loan for 24 months with a 20% down payment, Your payment would be $427.79.
3.55% 72 months $15.44 Fixed
Based on a $25,000 loan for 72 months with a 20% down payment, your payment would be $386.07.
Used Car (2013-2014) as low as 3.05% 24 months $43.00 Fixed
as low as 3.30% 36 months $29.22 Fixed
as low as 3.56% 48 months $22.38 Fixed
as low as 3.81% 60 months $18.33 Fixed
Your credit history may affect your actual rate.
A down payment of up to 20% may be required. Based on $10,000 loan for 24 months with a 20% down payment, Your payment would be $430.04.
Other rates and terms are available upon request. APR = Annual Percentage Rate
Subject to credit approval.

Residential Real Estate
Term Rate APR Rate Guarantee
Fixed Rate 15-year 3.25% 3.371% Fixed
20-year 3.875% 3.971% Fixed
30-year 4.250% 4.321% Fixed
The interest rate and annual percentage rates (APR) are subject to change without notice.
Please note that the interest rates and corresponding APRs shown here are available to borrowers with an excellent credit history. The actual APR available to you may vary based on such factors as credit score, loan-to-value ratio, loan purpose, secondary financing and type of property. Therefore, the actual APR available to you may be different than the APR quoted here.
A $100,000 mortgage with a term of 30 years at a rate of 4.250% would require a monthly payment of $491.94. Your actual payment may be higher if an escrow account is established or required.
A down payment may be required. The stated APR assumes a 20% down payment and is based on a loan amount of $100,000. Your actual experience may vary.
Please call for further information.

HomeLine Home Equity Line of Credit
APR
80% Loan-to-Value or Less 5.50%*
(1) The HomeLine interest rate is a variable rate indexed to the Prime Rate as published in the Wall Street Journal, and is subject to change daily. *Subject to floor rate of 5.50% APR.
(2) Rates are subject to change at any time without notice.
(3) Subject to credit approval.
(4) A balloon payment will result if only a minimum payment is made.

CSBank Online | CSBill Pay-e | P