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Citizens State Bank
Citizens State Bank

CERTIFICATE OF DEPOSITS

Effective as of June 20, 2017
The Certificate of Deposits listed below are based on a minimum deposit of $500 with a minimum balance of $500 to calculate the Annual Percentage Yield (APY). Early withdrawal penalties may apply.

CERTIFICATE OF DEPOSIT TERM

INTEREST RATE

APY

CERTIFICATE OF DEPOSIT TERM: 31 Day

INTEREST RATE: 0.10

APY: 0.10

CERTIFICATE OF DEPOSIT TERM: 91 Day

INTEREST RATE: 0.20

APY: 0.20

CERTIFICATE OF DEPOSIT TERM: 182 Day

INTEREST RATE: 0.25

APY: 0.25

CERTIFICATE OF DEPOSIT TERM: 1 Year

INTEREST RATE: 0.50

APY: 0.50

CERTIFICATE OF DEPOSIT TERM: 2 Year

INTEREST RATE: 0.90

APY: 0.90

CERTIFICATE OF DEPOSIT TERM: 3 Year

INTEREST RATE: 1.30

APY: 1.31

CERTIFICATE OF DEPOSIT TERM: 4 Year

INTEREST RATE: 1.35

APY: 1.36

CERTIFICATE OF DEPOSIT TERM: 5 Year

INTEREST RATE: 1.60

APY: 1.61

CERTIFICATE OF DEPOSIT TERM: *2 Year Jump Rate

INTEREST RATE: 0.90

APY: 0.90

CERTIFICATE OF DEPOSIT TERM: **Healthcare Plus

INTEREST RATE: 1.60

APY: 1.61

CERTIFICATE OF DEPOSIT TERM: ***Piglet 1 Year CD

INTEREST RATE: 0.50

APY: 0.50

*NOTE: You may change the interest rate one time during the 2 year period for the current 2 Year Jump Rate.

**NOTE: Based on the minimum deposit of $2,500.00 which is also used to calculate the Annual Percentage Yield (APY) and designed to help pay medical bills with no penalty for early withdrawal with proof of medical expense need.

***NOTE: Based on the minimum deposit of $350.00 which is also used to calculate the Annual Percentage Yield (APY) and designed for students or youth under 18 years of age to encourage savings.

DEPOSIT ACCOUNTS

 
The Deposit Accounts listed below use the minimum balance to calculate the Annual Percentage Yield (APY) listed for the account. Interest rates may change after the account is opened. Fees may reduce earnings on the account.

ACCOUNT

MINIMUM BALANCE

INTEREST RATE

APY

ACCOUNT: Free REWARD Checking-Tiered
($50 to open account)

MINIMUM BALANCE: $.01 to 10,000
$10,000.01 or >

INTEREST RATE: 2.47

APY: 2.50*

ACCOUNT: Cornerstone Money
Market-Tiered

MINIMUM BALANCE: $2,000 to $24,999.99
$25,000 or >

INTEREST RATE: 0.10
0.20

APY: 0.10
0.20

ACCOUNT: Cornerstone Plus

MINIMUM BALANCE: $1,000

INTEREST RATE: 0.05

APY: 0.05

ACCOUNT: Savings Account

MINIMUM BALANCE: $50

INTEREST RATE: 0.20

APY: 0.20

ACCOUNT: Penny Pig Savings

MINIMUM BALANCE: $1

INTEREST RATE: 0.20

APY: 0.20

ACCOUNT: Christmas Club

MINIMUM BALANCE: $1

INTEREST RATE: 0.20

APY: 0.20

ACCOUNT: Health Savings Account

MINIMUM BALANCE: $50

INTEREST RATE: 0.20

APY: 0.20

*APY=Annual Percentage Yield. APYs are accurate as of 10/22/2012. Rates may change after account is opened. Minimum to open account is $50. If qualifications are met each monthly qualification cycle: (1) Nationwide ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.50%; and (3) balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000, resulting in 0.46% -2.50% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear an account. Visit with a New Account Representative today!

 
 
 
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