Bank · FDIC insured
Citizens Savings Bank CD Rates
Citizens Savings Bank’s best CD rate is 4.04% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Citizens Savings Bank’s CD rates compare
Compared with banks and credit unions near Bogalusa, LA, where Citizens Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Savings Bank
4.04%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $200
Certificates of Deposit
Top rate
New Orleans Firemen's Federal Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $920
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
Citizens Savings Bank CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo4.04%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.04%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Citizens Savings Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.04%APY · 8 terms
Early withdrawal penalty applies. Daily balance required for rate qualification.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies. Minimum opening deposit $2500 | 0.50% | $12 |
| 6 monthsEarly withdrawal penalty applies. Minimum opening deposit $2500 | 4.04% | $200 |
| 12 monthsEarly withdrawal penalty applies. Minimum opening deposit $2500 | 4.00% | $400 |
| 18 monthsEarly withdrawal penalty applies. Minimum opening deposit $2500 | 3.50% | $530 |
| 24 monthsEarly withdrawal penalty applies. Minimum opening deposit $2500 | 3.65% | $743 |
| 36 monthsEarly withdrawal penalty applies. Minimum opening deposit $2500 | 3.25% | $1,007 |
| 48 monthsOne rate bump opportunity; rate may change after opening. Early withdrawal penalty applies. Minimum opening deposit $2500 | 3.25% | $1,365 |
| 60 monthsOne rate bump opportunity; rate may change after opening. Early withdrawal penalty applies. Minimum opening deposit $2500 | 3.25% | $1,734 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.06%APY · 8 terms
Early withdrawal penalty applies. Daily balance required for rate qualification.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies. Minimum opening deposit $250 | 0.50% | $12 |
| 6 monthsEarly withdrawal penalty applies. Minimum opening deposit $250 | 4.06% | $201 |
| 12 monthsEarly withdrawal penalty applies. Minimum opening deposit $250 | 4.06% | $406 |
| 18 monthsEarly withdrawal penalty applies. Minimum opening deposit $250 | 3.55% | $537 |
| 24 monthsEarly withdrawal penalty applies. Minimum opening deposit $250 | 3.70% | $754 |
| 36 monthsEarly withdrawal penalty applies. Minimum opening deposit $250 | 3.29% | $1,020 |
| 48 monthsOne rate bump opportunity; rate may change after opening. Early withdrawal penalty applies. Minimum opening deposit $250 | 3.29% | $1,382 |
| 60 monthsOne rate bump opportunity; rate may change after opening. Early withdrawal penalty applies. Minimum opening deposit $250 | 3.29% | $1,757 |
Sources (2)
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.