APY = Annual Percentage Yield. Rates and APYs accurate as of 03/20/2023. Loan rates are subject to change without notice. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
If you would like current rate information, please contact one of our Citizens Savings Bank branch offices, or call 1-800-692-6279.
| Balance |
Rate |
APY |
| $0 to $20,000 |
1.20% |
1.20% |
| $20,000+ |
0.05% |
1.19% to 0.28% |
| All balances if qualifications not met |
0.01% |
0.01% |
| Balance |
Rate |
APY |
| $0 to $50,000 |
0.20% |
0.20% |
| $50,000+ |
0.05% |
0.20% to 0.13% |
| All balances if qualifications not met |
0.01% |
0.01% |
Checking & Savings Accounts
| Account Type |
Account Balance to Earn Interest |
Rate |
APY |
Minimum Balance to Avoid Service Charge |
| Advantage Checking |
All Balances |
0.05% |
0.05% |
None |
| Regular Passbook Savings |
All Balances |
0.05% |
0.05% |
$100 |
| Premium Passbook Savings |
$25,000 and over |
0.15% |
0.15% |
$100 |
| Premium Passbook Savings |
$15,000.00 to $24,999.99 |
0.10% |
0.10% |
$100 |
| Premium Passbook Savings |
$5,000.00 to $14,999.99 |
0.05% |
0.05% |
$100 |
| Premium Passbook Savings |
$0.01 to $4,999.99 |
0.05% |
0.05% |
$100 |
| Statement Savings |
All Balances |
0.05% |
0.05% |
$100 |
| Club Accounts |
All Balances |
0.05% |
0.05% |
None |
| Account Balance to Earn Interest |
Rate |
APY |
Minimum Balance to Avoid Service Charge |
| $50,000.00 and over |
0.15% |
0.15% |
$1,000.00 |
| $25,000.00 to $49,999.99 |
0.05% |
0.05% |
$1,000.00 |
| $10,000.00 to $24,999.99 |
0.01% |
0.01% |
$1,000.00 |
| $0.00 to $9,999.99 |
0.01% |
0.01% |
$1,000.00 |
| Account Balance to Earn Interest |
Rate |
APY |
Minimum Balance to Avoid Service Charge |
| $100,000.00 and over |
0.30% |
0.30% |
$50,000.00 |
| $50,000.00 to $99,999.99 |
0.10% |
0.10% |
$50,000.00 |
| $0.00 to $49,999.99 |
0.05% |
0.05% |
$50,000.00 |
| Account Balance to Earn Interest |
Rate |
APY |
Minimum Balance to Avoid Service Charge |
| $100,000.00 and over |
1.49% |
1.50% |
$50,000.00 |
| $50,000 to $99,999.99 |
0.50% |
0.50% |
$50,000.00 |
| $10,000.00 to $49,999.99 |
0.25% |
0.25% |
$50,000.00 |
| $0.00 to $9,999.99 |
0.05% |
0.05% |
$50,000.00 |
| Term |
Minimum to Open |
Rate |
APY |
| 91 Day |
$1,000.00 |
0.05% |
0.05% |
| 182 Day |
$1,000.00 |
0.15% |
0.15% |
| 9 Month |
$1,000.00 |
2.08% |
2.10% |
| 10 Month |
$1,000.00 |
0.20% |
0.20% |
| 11 Month |
$1,000.00 |
1.24% |
1.25% |
| 12 Month |
$1,000.00 |
0.30% |
0.30% |
| 13 Month |
$1,000.00 |
0.35% |
0.35% |
| 14 Month |
$1,000.00 |
0.40% |
0.40% |
| 15 Month |
$1,000.00 |
0.50% |
0.50% |
| 18 Month |
$1,000.00 |
0.40% |
0.40% |
| 20 Month |
$1,000.00 |
0.25% |
0.25% |
| 24 Month |
$1,000.00 |
0.30% |
0.30% |
| 25 Month |
$1,000.00 |
0.30% |
0.30% |
| 30 Month |
$1,000.00 |
0.35% |
0.35% |
| 36 Month |
$1,000.00 |
0.35% |
0.35% |
| 48 Month |
$1,000.00 |
0.40% |
0.40% |
| 60 Month |
$1,000.00 |
0.50% |
0.50% |
| 72 Month |
$1,000.00 |
0.75% |
0.75% |
| Term |
Minimum to Open |
Rate |
APY |
| 11 Month |
$100.00 |
0.50% |
0.50% |
| 12 Month |
$100.00 |
3.442% |
3.50% |
| 13 Month |
$100.00 |
0.50% |
0.60% |
| 14 Month |
$100.00 |
0.60% |
0.60% |
| 15 Month |
$100.00 |
3.445% |
3.50% |
| 18 Month |
$100.00 |
0.50% |
0.50% |
| 20 Month |
$1,000.00 |
0.25% |
0.25% |
| 30 Month |
$1,000.00 |
0.35% |
0.35% |
| 48 Month |
$1,000.00 |
0.50% |
0.50% |
| 72 Month |
$1,000.00 |
0.75% |
0.75% |
| Term |
Minimum to Open |
Rate |
APY |
| 11 Month |
$100.00 |
0.50% |
0.50% |
| 12 Month |
$100.00 |
3.442% |
3.50% |
| 14 Month |
$100.00 |
0.60% |
0.60% |
| 18 Month |
$100.00 |
0.50% |
0.50% |
| 20 Month |
$1,000.00 |
0.25% |
0.25% |
| 30 Month |
$1,000.00 |
0.35% |
0.35% |
| 48 Month |
$1,000.00 |
0.50% |
0.50% |
| 72 Month |
$1,000.00 |
0.75% |
0.75% |
| Term |
Minimum to Open |
Rate |
APY |
| 11 Month |
$100.00 |
0.50% |
0.50% |
| 12 Month |
$100.00 |
3.442% |
3.50% |
| 14 Month |
$100.00 |
0.60% |
0.60% |
| 18 Month |
$100.00 |
0.50% |
0.50% |
| 20 Month |
$1,000.00 |
0.25% |
0.25% |
| 30 Month |
$1,000.00 |
0.35% |
0.35% |
| 48 Month |
$1,000.00 |
0.50% |
0.50% |
| 72 Month |
$1,000.00 |
0.75% |
0.75% |
| Term |
Type |
Points |
Purchase/Refinance Interest Rate |
Purchase/Refinance APR1 |
Construction Interest Rate |
Construction APR1 |
| 120 Months |
Fixed |
0 |
5.875% |
6.272% |
5.875% |
6.406% |
| 180 Months |
Fixed |
0 |
6.250% |
6.534% |
6.250% |
6.635% |
| 240 Months |
Fixed |
0 |
6.375% |
6.603% |
6.375% |
6.686% |
| 360 Months |
Fixed |
0 |
6.750% |
6.926% |
6.750% |
6.990% |
| 360 Months |
One Year ARM |
0 |
5.250% |
7.734% |
5.250% |
7.737% |
| 360 Months |
Three Year ARM |
0 |
5.625% |
7.427% |
5.625% |
7.445% |
| 360 Months |
Five Year ARM |
0 |
6.000% |
7.282% |
6.000% |
7.309% |
| Term |
Type |
Points |
Purchase/Refinance Interest Rate |
Purchase/Refinance APR2 |
| 120 Months |
Fixed |
1 |
7.500% |
7.910% |
| 180 Months |
Fixed |
1 |
7.750% |
8.217% |
| 240 Months |
Fixed |
1 |
8.000% |
8.243% |
| 240 Months |
One Year ARM |
1 |
7.000% |
8.574% |
| Term |
Type |
Points |
Interest Rate |
APR2 |
| 180 Months |
Fixed Rate-Five Year Balloon |
0 |
8.250% |
9.086% |
| Term |
Type |
Owner-Occupied Interest Rate |
Owner-Occupied APR1 |
Non-Owner-Occupied Interest Rate |
Non-Owner-Occupied APR2 |
| To 60 Months |
Fixed |
5.375% |
5.375% |
7.375% |
7.606% |
| To 120 Months |
Fixed |
6.000% |
6.000% |
7.750% |
7.875% |
| To 180 Months |
Fixed |
6.375% |
6.375% |
8.000% |
8.091% |
Introductory Rate for 1st 6 months is 2.99%3
Floor rate 5.25%
Prime rate 7.75%
Fee Waiver Promotion
On above owner-occupied Home Equity Loan Products.
Citizens Savings Bank will waive fees for an Automated
Valuation Model in lieu of appraisal, credit report, title
abstract, and flood certificate. Borrower is responsible
for recording fee. If Loan or HELOC is paid off within
24 months of the origination date, the borrower will be
responsible to reimburse Citizens Savings Bank for all
third-party origination fees paid.
Greater of prime or floor + 1.50%, currently 9.25%3
| Automobile Loan Type |
Term |
APR3 |
| New |
To 36 Months |
6.50% |
| New |
To 48 Months |
7.00% |
| New |
To 60 Months |
7.25% |
| Used Yr 20-23 |
To 36 Months |
7.00% |
| Used Yr 20-23 |
To 48 Months |
7.50% |
| Used Yr 20-23 |
To 60 Months |
7.75% |
| Used Yr 17-19 |
To 36 Months |
7.75% |
| Non-Purchase 17-23 |
To 36 Months |
7.75% |
| Type |
Term |
APR3 |
| Secured |
Up to 72 Months |
5.75% or 2% above earnings rate, whichever is higher* |
| Unsecured |
36 Months |
11.99% |
1 *Annual Percentage Rate. The APR was calculated using an assumed loan amount of $100,000 amortized over the maximum term and a loan to value of 80%
2 *Annual Percentage Rate. The APR was calculated using an assumed loan amount of $100,000 amortized over the maximum term.
3 *Annual Percentage Rate
