Checking Accounts

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

CSB 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 internet banking and bill pay
  • Visa Debit Card
  • Free ATM withdrawls at our ATMs and other ATM Access Network ATMs
  • Monthly statement

CSB 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 internet banking and bill pay
  • Visa Debit Card
  • Free ATM withdrawls at our ATMs and other ATM Access Network ATMs
  • Monthly statement with optional check images
  • Free printed checks (limited styles and quantities)

Citizens Premium Checking

Another simple checking account, but earn interest based on your balance.

  • $500 minimum balance
  • No monthly maintenance fee or per check charges
  • Interest paid monthly on average available balance
  • Unlimited check writing
  • Free internet banking and bill pay
  • Visa Debit Card
  • Free ATM withdrawls at our ATMs and other ATM Access Network ATMs
  • Monthly statement with optional check images
Balance Interest Rate APY*
Less than $10,000.00 0.05% 0.05%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.40% 0.40%
$50,000 and Up 0.60% 0.60%

*APY= Annual Percentage Yield. Interest and APY are 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.

Statement Savings

Start saving today, with this simple savings account.

  • $50 minimum to open account
  • $50 minimum balance
  • 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
  • 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 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 minimum balance fee if $2,500 daily balance is maintained
  • Interest credited and compounded monthly
  • Maximum of 6 third-party checks or withdrawals/transfers per statement cycle
  • The indexed rate is 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 0.71% 0.71%

The daily balance is acquired by applying a daily periodic rate to the principal in the account each day. A $7 minimum balance fee will be imposed if the balance falls below $2,500 during the monthly statement cycle.


*APY= Annual Percentage Yield. Interest rate is subject to change at any time. Interest rates on your account may change 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 by check to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle..

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 3.90% $43.38
36 Months 4.00% $29.52
48 Months 4.10% $22.62
60 Months 4.20% $18.51
72 Months 4.30% $15.78

Fixed Rate Loans for Used Cars (2015-2017)

Term APR* Monthly Payment
24 Months 4.61% $43.70
36 Months 4.71% $29.84
48 Months 4.81% $22.94
60 Months 4.91% $18.83

*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.

Home Equity Line of Credit

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 5.00%

*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