Bank · FDIC insured
Citizens Savings Bank Savings Rates
Citizens Savings Bank’s best savings rate is 1.00% APY on $10,000, with its Hi-Fi. Rates checked October 16, 2026.
How Citizens Savings Bank’s savings rates compare
Compared with banks and credit unions in Iowa, where Citizens Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Savings Bank
1.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $100
Hi-Fi
Top rate
Employees Credit Union
3.82%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $381
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Citizens Savings Bank savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.40%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Hi-Fi
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $49,999 | 1.00% | $100 |
| $50,000 – $99,999 | 1.25% | — |
| $100,000 – $249,999 | 1.40% | — |
| $250,000 – $499,999 | 1.50% | — |
| $500,000 – $749,999 | 1.75% | — |
| $750,000 and up | 2.00% | — |
Sources (1)
- bankingwithcsb.com/deposit-accounts/deposit-rate-sheet · captured Sep 18, 2026
Savings
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded monthly. Fees can reduce earnings. Rates may vary.Any balance | 0.25% | $25 | Interest compounded monthly. Fees can reduce earnings. Rates may vary. |
Sources (3)
- bankingwithcsb.com/deposit-accounts
- bankingwithcsb.com/deposit-accounts/deposit-rate-sheet
- bankingwithcsb.com/deposit-accounts/savings-accounts
All captured Sep 18, 2026
Special-purpose accounts
IRA
2.02%APY
Offered as Roth and Traditional IRAs. Variable rate; interest compounded monthly, credited monthly. Interest begins to accrue on same day for non-cash deposits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded monthly. Fees can reduce earnings. Rates may vary.Any balance | 2.02% | $202 | Interest compounded monthly. Fees can reduce earnings. Rates may vary. |
Sources (3)
- bankingwithcsb.com/deposit-accounts
- bankingwithcsb.com/deposit-accounts/deposit-rate-sheet
- bankingwithcsb.com/deposit-accounts/iras
All captured Sep 18, 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.