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Vehicle, Personal & Other Loans

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

Apply for a Loan Today

Our Lenders

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

Tina Dahm


Shannon DeLeasky


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 exclusively for our 55 and older customers.

Citizens Premium Checking

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

  • $500 minimum balance ($15 minimum balance fee)
  • Interest paid monthly on average available balance
  • Unlimited check writing
  • Online banking and bill pay
  • Visa Debit Card
  • Free ATM withdrawls at our ATMs and other ATM Access Network ATMs
  • Free eSatements or $2/month paper statement fee

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

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Home Loans

Get preapproved for buying a home.

When you are pre-approved for a mortgage, a lender has determined which loan programs you qualify for, the maximum amount you can borrow, and the interest rates you will be offered.

Learn more

Credit Cards

Contact us for rates and eligbility.

Variable Rate Visa Classic Application

Fixed Rate Visa Gold Application


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!

  • High 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

Advantage Money Market

An interest-bearing account targeted to customers that maintain a higher balance.

  • Highest rate savings account; limited check writing
  • Interest compounded and credited monthly
  • $10,000 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 $1000 to open a certificate of deposit.

  • Competitive interest rates
  • 91-day to 7-year maturities
  • Safe and stable
Term Interest Rate APY*
91 day 0.16% 0.16%
182 day 0.20% 0.20%
7 month 4.89% 5.00%
12 month 0.30% 0.30%
13 month 4.41% 4.50%
18 month 0.35% 0.35%
19 month 1.64% 1.65%
24 month 0.35% 0.35%
30 month 0.40% 0.40%
36 month 0.40% 0.40%
48 month 0.45% 0.45%
60 month 0.60% 0.60%

Rates and APY are effective as of 3/15/2024.
Monthly compounding and crediting, $1,000 minimum balance to open, IRA eligible. APY = Annual Percentage Yield.

View more information

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 your certificate of deposit automatically renews, interest will accrue after final maturity. If your certificate of deposit is not automatically renewable, 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 Terms and Conditions of your account. For current interest rate and annual percentage yield information, call 715-289-4253.

Member FDIC

Individual Retirement Account (IRA)

Start saving for retirement. A small automatic deposit per week or per month is all it takes.

  • Choose from all available CD terms
  • Traditional and Roth accounts available
  • Citizens Saver IRA - an IRA with scheduled automatic deposits


Send and receive money with Zelle®.

We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know. With Zelle®, you can send money directly from your bank account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.

Learn More Login or Enroll
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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.

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