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Home > Banking > Certificates of Deposit

Certificates of Deposit


A Certificate of Deposit (CD) is one of the most secure investments available. With a Citizens State Bank CD, you'll have the peace of mind that your dollars are growing safely in an account that is insured by the FDIC.


Our rates are competitive and begin to accrue on the business day of the deposit, even on noncash items. Interest is paid monthly, quarterly, semiannually, or at maturity depending on the length of term you choose. There is a substantial interest penalty for early withdrawal.


The Citizens State Bank CD Advantage:

• Competitive rates

• Citizens CDs can be automatically renewed at maturity

• A notice is sent 10 days prior to maturity

• We have a grace period of 10 calendar days from date of maturity to withdraw funds without penalty. (Additional funds may also be added at this time).

• Citizens CDs are FDIC insured up to $250,000


We have a number of CD's and CD specials that may be right for you. For additional information, contact a Customer Service Representative at the branch nearest you.



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