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Bank · FDIC insured

Citizens State Bank CD Rates

Citizens State Bank’s best CD rate is 4.00% APY on a 19-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.

How Citizens State Bank’s CD rates compare

Compared with banks and credit unions near Eau Claire, WI, where Citizens State Bank has the most branches. $10,000, best rate first.

  • This bank’s best

    Citizens State Bank

    4.00%APY

    Term
    19 months
    Minimum
    $1,000
    Earns on $10,000
    $641

    Certificates

  • Top rate

    Nicolet National Bank

    4.75%APY

    Term
    60 months
    Minimum
    $2,500
    Earns on $10,000
    $2,612

    Nicolet National Bank rates

  • Top Carrot, Carrot Score 91

    2nd-highest rate

    Co-op Credit Union

    4.70%APY

    Term
    18 months
    Minimum
    $100
    Earns on $10,000
    $713

    Co-op Credit Union rates

Compare CD rates near you →

Citizens State Bank CD score

83

CD score

Higher than 61% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.75%
  • 9–15 months9–15 mo3.85%
  • 16–30 months16–30 mo4.00%
  • 31–60 months31–60 mo0.60%
  • QualifiedQualified4.00%

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.

How the score works →

Where Citizens State 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.

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.

Visit institution website ↗Branches and institution details
← Citizens State Bank overview