Savings Accounts

Personal Banking

Regular Savings

For most, a lifetime of savings usually starts with a regular savings account. At Citizens State Bank, we make this start easy.


Money Market

If you want a higher rate of interest on your savings yet want your funds readily available, you will want to consider our Money Market Account.

Interest rates are tiered. Your interest rate and annual percentage yield may change.

Certificate of Deposit

When considering how to invest long-term type funds, you will want to consider certificates of deposit. The no-risk investment opportunity that pays you high dividends on your savings. You agree to leave your deposit for a specific period of time, and we agree to pay you a guaranteed rate of interest for the entire period of time (or term). All certificates are subject to early withdrawal penalty. Citizens State Bank Certificates of Deposit come in a variety of terms and yields to fit the needs of all customers.


Individual Retirement Accounts (IRAs)

Some financial institutions charge a fee for you to have an IRA with them. Not us! When you open an IRA with us, there are no fees or service charges. Every dollar you invest goes toward your retirement.

An IRA is a tax-sheltered program for your future security. We offer a variable rate IRA with a minimum opening deposit of $100.

You can make deposits weekly, monthly, or all at one time. No fixed contribution is required. You decide how much to save each year. Interest rate are adjusted quarterly.