FDIC-Insured - Backed by the full faith and credit of the U.S. Government

For added security, Apple and Google will require the Citizens Digital app to run on iOS 15 or newer or Android 13 or newer. Older devices may lose some features over time. More information will be coming soon.

Certificate of Deposit

Invest Today!

Open Your Account Online!

Several CD options with lengths from 6 to 60 months
Deposit minimums and limits may exist.
All CDs earn interest at a fixed rate determined on the date of purchase.
Substantial penalty for early withdrawal.
Automatically renewable at the rate in effect on renewal date.
Please call for current rates.

IRA Certificates of Deposit - Traditional or Roth - Terms of 6 to 60 months available with interest paid quarterly.

**Annual Percentage Yield. *Minimum to open an account is $25,000.00. $500,000 maximum per household, and must meet the new money requirements to qualify. A penalty for early withdrawal may apply and reduce earnings. Please contact us for more information. Citizens State Bank reserves the right to discontinue this special at any time. Promo Code #3036

Call for Current Rates

What Our Clients Say About Us



Citizens State Bank is seriously awesome!! Walking in you wouldn’t ever believe it’s a bank.
The atmosphere and positive attitudes of everyone makes my day!



Outstanding service, great atmosphere!
Look forward to years of being a customer!



Citizens State Bank is seriously awesome!! Walking in you wouldn’t ever believe it’s a bank.
The atmosphere and positive attitudes of everyone makes my day!



This bank is by far the best experience I have ever had with dealings with banks!!
I will refer citizens to anyone!