Rates Effective August 31, 2010
The Deposit Rates are updated every Wednesday (weekly).

CD Rates
Account Rates

 

CD Rates:

CD TERM MINIMUM DEPOSIT INTEREST RATE APY*
91 Days $2,500 .35 .35
182 Days $2,500 .50 .50
12 Month Easy Saver*** $200>$499 .50 .50
12 Month Easy Saver*** $500>$999 .75 .75
12 Month Easy Saver*** $1,000> 1.00 1.00
12 Month $1,000 1.00 1.00
18 Month $1,000 1.25 1.26
24 Month $500 1.50 1.51
30 Month $500 1.75 1.76
36 Month $500 2.00 2.02
42 Month Step-Up** $500 2.00 2.02
48 Month $500 2.25 2.27
60 Month $500 2.25 2.27

*Annual Percentage Yield
**"Step-Up" CDs allow you the opportunity to select a higher rate once during the term of the CD.
***"EZ Saver" CDs allows for multiple deposits. Call 712-324-2519 or 712-725-2321 for full details.

Interest will be calculated on a 365 day basis.
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A penalty will be imposed for early withdrawal of time certificate funds.
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IRA accounts earn .25% higher than the stated CD APY on all terms listed, with the exception of specials.
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An IRA fee of $10.00 will be charged for account transfers to another institution and on premature distributions.
dot Early Withdrawal Penalties:
 
CD's with term of one year or less = 91 days interest
 
dotCD's with term over one year = 182 days interest
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Monthly Interest Payments are available on CD's over $10,000.00 (with the exception of the specials).

Visit Sherri Van Gorp or Betty Winter at Citizens State Bank for more CD information!

sherri

 

Account Rates:

  Average Daily Balance Requirement INTEREST RATE APY*
Super Savings Account < $1,500 .20 .20
  > $1,500 .25 .25
Now Checking Account $0 > $24,999 .10 .10
  $25,000 - $99,999 .10 .10
  $100,000 > .10 .10
Ultra Money Market Savings Acct < $10,000 .25 .25
  $10,000 - $49,999 .35 .35
  $50,000 - 99,999 .50 .50
  > $100,000 1.00 1.00
Retirement Savings Account < $10,000 1.00 1.00
  $10,000 - 49,999 1.50 1.51
  > $50,000 1.50 1.51
Health Savings Account < $10,000 1.00 1.00
  $10,000 - $49,999 1.50 1.51
  > $50,000 1.50 1.51

*Annual Percentage Yield.
*Rates may vary after account opening.
*Fees may reduce earnings.

 

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