Bank · FDIC insured
Citizens State Bank Credit Card Rates
Citizens State Bank credit cards start at 15.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Citizens State Bank’s credit card rates compare
Compared with banks and credit unions near Montrose, CO, where Citizens State Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Citizens State Bank
15.00%APR
Visa Classic
Lowest rate
Bank of Colorado
9.99%APR
2nd-lowest rate
NuVista Credit Union
11.90%APR
Citizens State Bank credit card score
62
Credit card score
Higher than 6% of U.S. banks and credit unions
- Purchase APRPurchase APR15.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citizens State Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
Features check guarantee, overdraft protection for CSB deposit accounts, and Plus System access. No interest charge if entire balance is paid by 10 days after close of each billing cycle.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | None | 15% fixed annual percentage rate for purchases, balance transfers, and cash advances. No annual fee. |
Sources (1)
- csbcolorado.com/personal/credit-cards · captured Oct 4, 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.