Checking Accounts

If all you want is a simple checking account with no strings attached, look no further than Citizens State Bank.

Basic Blue Checking

Keep checking simple with an account that is low maintenance with unlimited transactions and all these extra features:

  • No minimum balance
  • No monthly maintenance fee or per check charges
  • Unlimited check writing
  • Free online banking and bill pay
  • Visa Check Card
  • Free ATM withdrawls at our ATMs
  • Monthly statement

Preferred 55 Checking

This simple, inexpensive checking account is designed exclussively for our 55 and older customers.

  • No minimum balance
  • No monthly maintenance fee or per check charges
  • Unlimited check writing
  • Free online banking and bill pay
  • Visa Check Card
  • Free ATM withdrawls at our ATMs
  • Monthly statement with optional check images
  • Free printed checks (limited styles and quantities)

Premium Checking

Earn interest for keeping a minimum balance in your account.

  • $500 minimum balance ($15 penalty fee)
  • No monthly maintenance fee or per check charges
  • Interest paid monthly on average available balance
  • Unlimited check writing
  • Free online banking and bill pay
  • Visa Check Card
  • Free ATM withdrawls at our ATMs
  • Monthly statement with optional check images
Balance Interest Rate APY*
Less than $10,000.00 0.05% 0.05%
$10,000 - $19,999.99 0.1% 0.1%
$20,000 - $49,999.99 0.4% 0.4%
$50,000 and Up 0.6% 0.6%

*APY= Annual Percentage Yield. Interest rate is subject to change at any time. Interest is compounded and credited to your account monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Savings, CDs & IRAs

What are you saving for? A downpayment on a home, a new car, a dream vacation, an upcoming wedding, or maybe sending the kids to college? Citizen State Bank can help you achieve your savings goals.

Basic Savings

Start saving today, with this simple savings account.

  • $50 minimum balance ($3 penalty fee)
  • 6 free withdrawals per month; $1 each additional
Balance Interest Rate APY*
$50.00 0.15% 0.15%

Christmas Club Savings

Put some money away each week for the holiday season.

  • $5 minimum balance ($3 penalty fee)
  • 50 Week savings program
  • Weekly payments of $5, $10, $20 or more
  • Balances and interest paid just in time for Christmas shopping
Balance Interest Rate APY*
$5.00 0.15% 0.15%

Young Citizens Savings

Teach your child the value of saving their money.

  • Child must be 14 or younger
  • Held jointly with a parent/guardian
  • $1 minimum balance
  • 6 free withdrawals per month; $1 each additional
Balance Interest Rate APY*
$1.00 0.15% 0.15%

Upon the milestone of the minor account holder reaching age 14 the account type will be automatically transferred to a statement savings account.

Indexed Money Market Deposit Account

Don’t write many checks? This account pays you interest. The more you keep in your account, the higher your interest rate may be!

  • No monthly service charge if $2,500 average daily balance is maintained ($7 penalty fee)
  • Interest credited and compounded monthly
  • Maximum of 3 checks or 6 withdrawals/transfers monthly
  • .30% interest rate tied to the Wall Street Journal Average Money Market Rate, plus or minus an adjuster, depending on the balance tier
Balance Interest Rate APY*
Less than $10,000 0.15% 0.15%
$10,000 - $19,999.99 0.15% 0.15%
$20,000 - $49,999.99 0.15% 0.15%
$50,000 and more 0.53% 0.55%

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. 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 Fine Print

*APY= Annual Percentage Yield. Interest rate is subject to change at any time. Interest is compounded and credited to your account monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transfers 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.

View complete disclosures.

Loans

From cars to vacations, Citizen State Bank will always try to make your dreams come true with flexible, low-rate personal lending options.

Apply for a loan today

Vehicle Loans

Fixed Rate Loans for New Cars

Term APR* Monthly Payment
24 Months 3.63% $43.26
36 Months 3.74% $29.41
48 Months 3.84% $22.51
60 Months 3.94% $18.39
72 Months 4.04% $15.66

Fixed Rate Loans for Used Cars (2014-2016)

Term APR* Monthly Payment
24 Months 4.34% $43.58
36 Months 4.45% $29.72
48 Months 3.54% $22.83
60 Months 4.65% $18.71

*APR= Annual Percentage Rate. Your credit history may affect your actual rate. A down payment of up to 20% may be required. Subject to credit approval. Monthly payments above are based on per $1,000. For example, a $10,000 loan for a new car for 24 months with a 20% down payment would have a monthly payment of $432.26.

Home Equity Loan

Use the equity in your home to make home improvements, purchase a vehicle, consolidate your debt, or take a vacation. Plus, the interest may be tax deductible. (Consult your tax advisor.)

Type APR *
80% Loan-to-Value or Less 4.25%

*APR= Annual Percentage Rate. Interest rate is subject to change at any time without notice. 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 4.0% APR. Subject to credit approval. A balloon payment will result if only a minimum payment is made.

Other Types of Loans

Everyone has different goals. That's why we offer a variety of loans to choose from.

  • Recreational Vehicle Loans
    (motorcycle, boat, camper, etc.)
  • Personal Loans
  • Student Loans
  • Consolidation Loans

Home Loans

As an independent community bank, we have pledged to keep our loan processing and decision-making local.


We strive to provide you not only the mortgage products and services you need, when you need them, but also the peace of mind that comes from talking to a real person who lives and works in the same community you do.

  • Free and Easy Pre-Approval
  • First Home, Vacation Home, and Refinancing Options
  • Fixed and Adjustable Rate Mortgages
  • Construction and Land Loans
  • Home Equity Lines of Credit
Apply today
Term Fixed Interest Rate APR*
15 Year 4.375% 4.459%
20 Year 4.625% 4.691%
30 Year 4.75% 4.799%

*APR= Annual Percentage Rate. Interest rate is subject to change at any time without notice. Rates 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. A $100,000 mortgage with a term of 30 years at a rate of 4.625% would require a monthly payment of $514.14. 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.