Citizens State Banks: Current Rates

Rates and Fees

Current Rates

Rates and Fees
Current Rates

Certificate of Deposit Interest Rates APY = Annual Percentage Yield
Term	Rate	APY	Minimum Balance
91 Days	1.25%	1.26%	$1,000.00
6 Months	1.50%	1.51%	$1,000.00
12 Months	1.75%	1.76%	$1,000.00
15 Months	2.00%	2.02%	$1,000.00
18 Months	2.75%	2.78%	$1,000.00
24 Months	2.25%	2.27%	$1,000.00
30 Months	2.50%	2.52%	$1,000.00
48 Months	2.75%	2.78%	$1,000.00
60 Months	3.00%	3.03%	$1,000.00
Information current as of 3/19/2008
Substantial Penalty for early withdrawal may apply.

Interest Bearing Checking Accounts Rates* APY = Annual Percentage Yield
Interest Bearing Checking - Consumer	Rate	APY
0 - $2,499.99	0.00%	0.00%
$2,500.00 - $19,999.99	0.75%	0.75%
$20,000.00 - $49,999.99	0.95%	0.95%
$50,000 & UP	1.15%	1.15%
Interest Bearing Checking - Business	Rate	APY
0 - $2,499.99	0.00%	0.00%
$2,500.00 & UP	0.85%	0.85%
Interest Bearing Money Market - Business	Rate	APY
0 - $2,499.99	0.00%	0.00%
$2,500.00 - $19,999.99	1.00%	1.00%
$20,000.00 - $49,999.99	1.15%	1.15%
$50,000.00 & UP	1.25%	1.25%
Inter Connections	Rate	APY
$2,500 & UP	1.00%	1.00%
Information current as of: 9/16/2003
eVantage Checking		RATES EFFECTIVE 4/01/08
$0 - $30,000		RATE: 3.50% APY 3.56%**
$30,000 - Up		RATE: 2.00% APY 2.02%**
**To earn Rate, the following is required once per statement cycle: 10 Debit Card Transactions (Does not include ATM) 1 Direct Deposit or ACH Transaction Access Online Banking Receive Electronic Statements (When available) 3.56% APY*on the portion of your balance $30,000 and below, and 2.02% APY on the portion of your balance above $30,000. The blended APY will range from 3.56% to 2.48% depending on the balance of the account. $200 minimum opening deposit required.
* These accounts are variable rate accounts; the rates and APYs may change after the accounts are opened. Fees could reduce the earnings of the accounts.

Savings Rates* APY = Annual Percentage Yield
Account Type		Rate	APY
Statement Savings Minimum balance to open & avoid service fee is $100		0.75%	0.75%
More Statement Savings Minimum of $1000 is required to open account; to avoid a fee, a minimum of $100 is required	$1.00-$999.99	1.00%	1.00%
	$1000 & Up	2.00%	2.02%
Christmas Club Account		2.00%	2.00%
Information current as of: 3/19/2008
* These accounts are variable rate accounts; the rates and APYs may change after the accounts are opened. Fees could reduce the earnings of the accounts.

IRA Account Rates APY = Annual Percentage Yield
Term	Rate	APY	Minimum Balance
91 Days	1.40%	1.41%	$100.00
6 Months	1.65%	1.66%	$100.00
12 Months	1.90%	1.91%	$100.00
18 Months	2.90%	2.93%	$100.00
24 Months	2.40%	2.42%	$100.00
30 Months	2.65%	2.68%	$100.00
48 Months	2.90%	2.93%	$100.00
60 Months	3.15%	3.19%	$100.00
Information current as of: 3/19/2008
Substantial Penalty for early withdrawal may apply.

Safe Deposit Box Rates
Size	Annual Rent
3"x5"	$15.00
3"x10"	$25.00
6"x10"	$35.00
9"x10"	$50.00

Key Deposit Fee	$20.00

$5.00 late fee per month after 30 days The charge for drilling a safe deposit box (because of both keys being lost) will vary from time to time, but will be the actual cost incurred by a locksmith but not less than $100.00. Note: No insurance coverage is provided on box contents by FDIC or this financial institution. Obtaining insurance protection is the renter's responsibility.

Information current as of: 5/16/2007
The best place for your valuables and important papers. Annual Charge reduced by 10% if paid by automatic debit from your checking or savings account. (Non-Inter Connections Accounts)