Build a better tomorrow with a smart savings plan
Attractive choices
We offer Regular Savings, Money Markets and Certificate of Deposit accounts.
Grow with us
Our Minor Accounts are a great way for kids to get into the savings habit.
Investing in you
We pay competitive interest to give your money some added momentum.
Access your money anywhere
Manage your funds and monitor progress with Online and Mobile Banking tools.
Our accounts offer something for pretty much everyone
For kids, a savings account is a great place to put birthday cash and part-time job pay. For adults, the possibilities are endless – prepare for a rainy day, set aside cash for an exciting purchase, or begin a journey to long-term security. Our Savings Accounts, Money Markets and CDs all offer secure ways to reach your goals with a nice assist from our steady interest payments.
- 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
Helps young people become financially responsible
- Learn about financial tools such as Online and Mobile Banking
- Open account with as little as $25
- Minimum balance of just one penny
- Earn interest on your balance
Money Markets generally have higher earning rates than traditional savings
accounts. They offer an attractive combination of security and liquidity
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[link] - Funds protected by Federal Deposit Insurance Corp. (FDIC)
- 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 - Early withdrawal can result in loss of interest income. However, your initial deposit
is never at risk. - Funds protected by Federal Deposit Insurance Corp. (FDIC)
Open or Close Comparison Table
Not sure where to start? We're here to help!
Frequently Asked Questions
How do I open an account?
Accounts can be opened in-person at any of our seven branch locations.
What information is needed to open an account?
When opening a checking account, you will need:
- Two forms of ID (one photo ID)
- Proof of address (if current address is different from that shown on ID)
- Check, money order, or cash for initial deposit
Are my deposits covered by FDIC Insurance?
All depositor’s accounts at an insured depository institution such as CSB, including all noninterest-bearing transaction accounts, are insured by the FDIC up to the standard maximum deposit insurance amount ($250,000) for each deposit insurance ownership category. For more information about FDIC insurance coverage, visit FDIC.gov.
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.
Minor 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 annual percentage yield.
Limitations: You must deposit $25.00 to open this account.
Money Market Account 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.
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.
Personal 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 for each day the balance falls below $100,000.00.
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 $100,000.00 in the account each day to obtain the disclosed APY.
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.