Citizens First
State Bank
CFSB

Citizens First State Bank

FDIC Insured Deposit Rates
Effective Date: November 13, 2017

NOTES on Certificates of Deposit:

Citizens First State Bank offers a .10% bonus interest rate on Certificates of Deposit with a maturity of less than 24 months to customers with an active DDA account. We also offer a .15% bonus interest rate on Certificates of Deposit with a maturity of 24 months or more to customers with active DDA accounts. This bonus applies to all maturities (not CD Specials).

Certificates from $1,000 to $2,499 are priced at a rate lower than the stated interest rate.

Minimum Balance to open a Certificate of Deposit is $1,000.00.

NOTE: Annual percentage yield (APY) assumes interest is compounded semi-annually. The interest rates and annual percentage yields are accurate as of the date printed above. There is a substantial penalty for early withdrawal of Certificates of Deposit.

++eBlue Disclosure:
To earn an interest rate of 1.25% (1.26% APY) on eBlue you must have all of the following:

  • 15 debit card transactions per statement cycle
  • 1 ACH debit per statement cycle (i.e. automatic bill pay)
  • 1 ACH credit per statement cycle (i.e. direct deposit)
  • Write no more than 10 checks per statement cycle

**Notice - interest rates (on all accounts except Certificates of Deposit) are subject to change after the account is opened.

Fees may reduce earnings.

Contact an employee for further information about fees and terms.

CD Term Min. Balance to earn APY APY Interest Rate
30-90 Days $25,000 0.20% 0.20%
91-181 Days $2,500 0.24% 0.24%
6-11 Months $2,500 0.26% 0.26%
12-17 Months $2,500 0.30% 0.30%
18-23 Months $2,500 0.56% 0.56%
24-29 Months $2,500 0.70% 0.70%
30-35 Months $2,500 0.75% 0.75%
36-47 Months $2,500 1.00% 1.00%
48-59 Months $2,500 1.22% 1.22%
60 Months and Over $2,500 1.47% 1.46%
IRA Special
30 Month CS $2,500 1.00% 1.00%
No Specials This Week
Interest Checking **
$100 to open $1,000 0.07% 0.07%
Regular Savings **
$25 to open $100 0.10% 0.10%
Money Market Accounts **
$2,500 to open $2,500 - $9,999 0.07% 0.07%
$10,000 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.25% 0.25%
$100,000+ 0.40% 0.40%
eBlue ** ++See disclosure above 0.10% 0.10%

**Fees may reduce earnings