APY = Annual Percentage Yield. Rates and APYs accurate as of 05/04/2022. 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 (800) 692-6279.

Free Kasasa Cash® Checking*

Balance Rate APY
$0 to $20,000 0.50% 0.50%
$20,000+ 0.05% 0.50% to 0.14%
All balances if qualifications not met 0.01% 0.01%

Free Kasasa Saver®‡

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

Premium Money Market Account

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

Premier Money Market Account

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

Certificate of Deposit Accounts

Term Minimum to Open Rate APY
91 Day $1,000.00 0.05% 0.05%
182 Day $1,000.00 0.05% 0.05%
9 Month $1,000.00 0.05% 0.05%
10 Month $1,000.00 0.10% 0.10%
11 Month $1,000.00 0.30% 0.30%
12 Month $1,000.00 0.10% 0.10%
13 Month $1,000.00 0.10% 0.10%
14 Month $1,000.00 0.20% 0.20%
15 Month $1,000.00 0.10% 0.10%
18 Month $1,000.00 0.50% 0.50%
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%

Traditional IRA

Term Minimum to Open Rate APY
11 Month $100.00 0.30% 0.30%
12 Month $100.00 0.20% 0.20%
13 Month $100.00 0.30% 0.30%
14 Month $100.00 0.20% 0.20%
15 Month $100.00 0.30% 0.30%
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%

Coverdell - Education IRA

Term Minimum to Open Rate APY
11 Month $100.00 0.30% 0.30%
12 Month $100.00 0.20% 0.20%
14 Month $100.00 0.20% 0.20%
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%

Roth IRA

Term Minimum to Open Rate APY
11 Month $100.00 0.30% 0.30%
12 Month $100.00 0.20% 0.20%
14 Month $100.00 0.20% 0.20%
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%

Fixed & Adjustable Rate Mortgage Loans

Term Type Points Purchase/Refinance Interest Rate Purchase/Refinance APR1 Construction Interest Rate Construction APR1
120 Months Fixed 0 4.250% 4.635% 4.250% 4.647%
180 Months Fixed 0 4.625% 4.896% 4.625% 4.890%
240 Months Fixed 0 5.000% 5.216% 5.000% 5.208%
360 Months Fixed 0 5.500% 5.664% 5.500% 5.647%
360 Months One Year ARM 0 3.125% 3.035% 3.125% 3.140%
360 Months Three Year ARM 0 3.500% 3.156% 3.500% 3.256%
360 Months Five Year ARM 0 3.875% 3.372% 3.875% 3.475%

Non-Owner Occupied (1-4 Family Units)

Term Type Points Purchase/Refinance Interest Rate Purchase/Refinance APR2
120 Months Fixed 1 6.125% 6.524%
180 Months Fixed 1 6.375% 6.823%
240 Months Fixed 1 6.625% 6.855%
240 Months One Year ARM 1 6.250% 3.724%

Land & Lot Loans

Term Type Points Interest Rate APR2
180 Months Fixed Rate-Five Year Balloon 0 6.875% 7.693%

Home Equity Loans

Term Type Owner-Occupied Interest Rate Owner-Occupied APR1 Non-Owner-Occupied Interest Rate Non-Owner-Occupied APR2
To 60 Months Fixed 4.500% 4.500% 6.250% 6.478%
To 120 Months Fixed 4.750% 4.750% 6.500% 6.622%
To 180 Months Fixed 5.000% 5.000% 7.000% 7.088%

 

Home Equity Line of Credit

Introductory Rate for 1st 6 months is 2.99%3
Floor rate 3.75%
Prime rate 4.00%

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.

Non-Owner Occupied Lines of Credit

Greater of prime or floor + 1.50%, currently 5.25%3

Auto Loans

Automobile Loan Type Term APR3
New To 36 Months 3.50%
New To 48 Months 4.00%
New To 60 Months 4.25%
Used Yr 17-20 To 36 Months 4.00%
Used Yr 17-20 To 48 Months 4.50%
Used Yr 17-20 To 60 Months 4.75%
Used Yr 14-16 To 36 Months 4.75%
Non-Purchase 14-20 To 36 Months 4.75%

Personal Loans

Type Term APR3
Secured Up to 72 Months 3.75% or 2% above earnings rate, whichever is higher*
Unsecured 36 Months 8.99%

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