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

Vehicle Loans

We offer fixed rate loans for new and used cars.

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.)

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
  • Consolidation Loans


Our Lenders

Providing personal loans in Cadott, Chippewa Falls, Cornell, Lake Wissota, and the surrounding areas.

Apply for a loan today
Personal Banking Photo
Personal Banking Photo
Personal Banking Photo

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 feature rich and low cost.

CSB Preferred 55 Checking

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

Citizens Premium Checking

All the benefits of CSB Blue Checking, but earn interest based on your balance.

Ask to view an account disclosure for additional terms and features. All accounts are FDIC insured according to FDIC guidelines and limits.

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.

  • Interest bearing; variable rate
  • $50 minimum balance; $3 monthly fee if below minimum

Christmas Club Savings

Put some money away each week for the holidays.

Young Citizens Savings

Teach your child the value of saving their money.

  • Children under the age of 14
  • No minimum balance
  • No monthly maintenance fees

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!

  • Highest rate savings account; limited check writing
  • Interest compounded and credited monthly
  • $2,500 minimum balance to open
  • $7 monthly fee if below minimum
  • Minimum Balance Per Item Fee $2
  • 6 withdrawals/transfers per month


Earn more interest than a savings account with these short-term investments. You only need $100 to open a certificate of deposit.

  • Competitive interest rates
  • 91-day to 7-year maturities
  • Safe and stable
personal relationships

Need more information?
Want to open an account?

Our team is happy to help you make informed banking decisions. Simply fill out the form below to get started.

Tell us how we can help:

We will be in touch shortly. You dream the dream; we'll help make it come true!