Grow your cash assets with steady interest earnings
Prepare for tomorrow
Our Regular Savings Account provides businesses with a safe harbor for reserves.
A nice step up
Money Market Accounts offer higher returns while giving businesses fast access to funds.
Bigger can be better
The Super Money Market Account offers tiered interest rates that increase as your balance grows.
Save money for the short term or the long haul
What does the future hold for your business? Maybe an unexpected expense. Or a golden opportunity. Or the next step in a five-year plan. Whatever tomorrow brings, a smart saving strategy can provide the financial means to handle any situation. Explore our savings solutions that can put your business in a prime position to build on its success.
- Minimum opening deposit of $200
- Avoid $2 monthly service fee by keeping minimum balance of $200
- Manage funds with Online and Mobile Banking tools
- Build up balance by scheduling automatic transfers from checking
- Money Market generally have higher earning rates than traditional savings accounts
- They offer an attractive combination of security and liquidity
- Minimum opening deposit of $2,500
- Avoid $10 monthly service fee by maintaining minimum balance of $2,500
- Make unlimited deposits
- Access funds through ATMs, Online and Mobile Banking and at Citizens State Bank branches
- Funds protected by Federal Deposit Insurance Corp. (FDIC)
- As your balance reaches certain dollar amounts, you benefit from a higher interest rate
- Minimum opening deposit of $100,000
- Maintain $100,000 minimum balance to avoid monthly service fee
- Make unlimited deposits
- Access funds through ATMs, Online and Mobile Banking and at Citizens State Bank branches
- Funds protected by Federal Deposit Insurance Corp. (FDIC)
Certificates of Deposit let you lock in a competitive rate for months or years.
- Minimum opening deposit of $1,000
- Choose CD term to fit your savings needs – from 30 days to 5 years
- Fixed rate for the entire CD term, so you can easily project your earnings
- In general, longer term CDs have the highest rates
- Early withdrawal can result in loss of interest income (your initial deposit is never at risk)
- Funds protected by Federal Deposit Insurance Corp. (FDIC)
Open or Close Comparison Table
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Regular Savings Fees & Disclosures
Rate Information: This Account is an interest-bearing account. The interest rate and annual percentage yield (APY) is subject to change at our discretion no more than weekly. Interest begins to accrue on the business day of your deposit. Interest will be compounded and credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. For the most current interest rate and annual percentage yield (APY), please contact your local branch.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY.
Limitations: You must deposit $200.00 to open this account.
Account Fees: A minimum balance fee of $2.00 will be imposed every statement cycle if the balance falls below $200.00 any day of the quarterly statement cycle. A fee of $2.00 will be assessed for each debit in excess of three (3) during a quarterly statement cycle including transfers from a savings account to another of your accounts with us or to a third party by means of a preauthorized or automatic transfer, telephonic agreement, order or instruction by check, draft, debit card or similar order made by you and payable to third parties.
Business Money Market Fees & Disclosures
Rate Information: This Account is an interest-bearing account. The interest rate and APY are included in the Rate Chart. The interest rate and APY are subject to change weekly. Interest begins to accrue on the business day of your deposit. Interest will be compounded and credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4)week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Account Fees: A minimum balance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the monthly statement cycle. An excessive withdrawal fee of $10.00 will be assessed for each debit in excess of six (6) during a monthly statement cycle.
Business Super Money Market Fees & Disclosures
This is a tiered account and the interest rate will vary according to the daily balance. No interest will be earned if the balance falls below $100,000.00 each day.
Rate Information: This Account is an interest-bearing account. The interest rate and annual percentage yield (APY) will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and APY is subject to change at our discretion without notice. Interest begins to accrue on the business day of your deposit. Interest will be compounded and credited to the account monthly.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations: You must deposit $100,000.00 to open this account. You may make six (6) transfers from your account each four (4)week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Account Fees: An excessive withdrawal fee of $10.00 will be assessed for each debit in excess of six (6) during a monthly statement cycle.