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Certificates of Deposit & Individual Retirement Accounts

Citizens State Bank offers a wide array of CD and IRA options. You will discover that our competitive rates and terms compare favorably with any of those in our surrounding area. If you are interested in an IRA, we feature Traditional, Roth and SEP accounts. We also offer Health Savings Accounts and Coverdell Educational Savings Accounts. To get started, stop by any of our bank locations and visit with one of our Personal Bankers today!


Regular Savings

Our Regular Savings accounts are a good fit for many of our customers. With just a $1.00 minimum balance required, it’s easy to keep track of the funds in this account without any of the limitations of our other savings accounts.

Hi-Fi Savings

This account is our most popular savings account. With a minimum balance of only $1,000 you will receive a higher interest rate than Regular Savings. If your balance falls below $1,000, the only penalty is that the interest rate will drop to the Regular Savings account rate.

Golden Passbook Savings

For our customers who like to maintain a higher balance in their savings accounts, we recommend our Golden Passbook Savings. With a minimum balance of $25,000, you will receive a premium rate on your money. If the balance falls below the minimum required, your interest rate will fall to the Regular Savings account rate.

Christmas Club Account

Christmas is coming – you know it is! Boost the “merry” in your next holiday season by opening a Christmas Club Account today. When December arrives, your biggest concern will be finding the perfect gifts, not how to pay for them.


Kids Safari Club

Hey, Mom and Dad! – Do you want to start teaching your kids healthy savings habits – and let them have some fun, too?

Then enroll them in the Safari Saver’s Club. When you open Safari Saver’s Savings Accounts for your children, they each get a bag full of goodies! Come and join the fun. Be a Safari Saver’s Club Member.

Proudly serving customers for more than 100 years.