300 Central Avenue Box 255 | Finley, ND 58230-0255

We Can Help You In Different Situations.

Saving money can be a challenge. Finding the right savings account to fit your lifestyle is a great way to start. Whether you are saving for a rainy day or retirement, we have a savings product to help you achieve your goals.

Regular Savings Account

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

$50.00 minimum balance to open account
No minimum balance requirements for Students (18 and under) and Senior Citizens (62 and older)
Free access to Internet Banking
Free access to Bill Pay
Make up to six transfers per month
Maintain a $50 daily balance to avoid a $3.00 monthly service charge. A charge of $3.00 will occur if the daily balance falls below $50 any day during the statement cycle.

Money Market Deposit Account

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.

$2,500.00 minimum balance to open account
Free access to Internet Banking
Free access to Bill Pay
Make up to six transfers per month

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.

Low minimum balances – starting as low as $500
Wide range of maturity options – from three months to five years
Automatic renewals
Interest can be compounded, paid by check, or credited to an account.

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 rates are adjusted quarterly.