Bank · FDIC insured
Citizens State Bank Savings Rates
Citizens State Bank’s best savings rate is 0.21% APY on $10,000, with its Citizens Select Money Market. Rates checked October 16, 2026.
How Citizens State Bank’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Citizens State Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens State Bank
0.21%APY
- Minimum
- $0
- Earns on $10,000 a year
- $21
Citizens Select Money Market
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Citizens State Bank savings score
70
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.04%
- $10,000 balance$10,0000.21%
- $100,000 balance$100,0001.01%
- QualifiedQualified0.21%
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 State 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.
Citizens Select Money Market
0.21%APY
Variable rate; interest rate may change after account has been opened. $15 monthly service charge if minimum daily balance falls below $2,500. Interest calculated daily and paid monthly. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Variable rate; interest rate may change after account has been opened. $15 monthly service charge if minimum daily balance falls below $2,500. Interest calculated daily and paid monthly. Fees could reduce earnings. | 0.21% | $21 | Variable rate; interest rate may change after account has been opened. $15 monthly service charge if minimum daily balance falls below $2,500. Interest calculated daily and paid monthly. Fees could reduce earnings. |
| $25,000 – $100,000Variable rate; interest rate may change after account has been opened. $15 monthly service charge if minimum daily balance falls below $2,500. Interest calculated daily and paid monthly. Fees could reduce earnings. | 0.56% | — | Variable rate; interest rate may change after account has been opened. $15 monthly service charge if minimum daily balance falls below $2,500. Interest calculated daily and paid monthly. Fees could reduce earnings. |
| $100,000 – $250,000Variable rate; interest rate may change after account has been opened. $15 monthly service charge if minimum daily balance falls below $2,500. Interest calculated daily and paid monthly. Fees could reduce earnings. | 1.01% | — | Variable rate; interest rate may change after account has been opened. $15 monthly service charge if minimum daily balance falls below $2,500. Interest calculated daily and paid monthly. Fees could reduce earnings. |
| $250,000 – $500,000Variable rate; interest rate may change after account has been opened. $15 monthly service charge if minimum daily balance falls below $2,500. Interest calculated daily and paid monthly. Fees could reduce earnings. | 1.45% | — | Variable rate; interest rate may change after account has been opened. $15 monthly service charge if minimum daily balance falls below $2,500. Interest calculated daily and paid monthly. Fees could reduce earnings. |
| $500,000 and upVariable rate; interest rate may change after account has been opened. $15 monthly service charge if minimum daily balance falls below $2,500. Interest calculated daily and paid monthly. Fees could reduce earnings. | 1.91% | — | Variable rate; interest rate may change after account has been opened. $15 monthly service charge if minimum daily balance falls below $2,500. Interest calculated daily and paid monthly. Fees could reduce earnings. |
Sources (3)
- csbnet.net/personal/account-disclosures
- csbnet.net/personal/savings/money-markets
- csbnet.net/resources/rates
All captured Sep 24, 2026
Special-purpose accounts
Health Savings Account
1.17%APY
Requires coverage by a qualified High Deductible Health Plan (HDHP). No monthly service charge and no minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier 1 rate for balances $0-$2,499.99. Variable rate. | 0.54% | — | Tier 1 rate for balances $0-$2,499.99. Variable rate. |
| $2,500 – $10,000Tier 2 rate for balances $2,500.00-$9,999.99. Variable rate. | 1.07% | — | Tier 2 rate for balances $2,500.00-$9,999.99. Variable rate. |
| $10,000 and upTier 3 rate for balances $10,000 or more. Variable rate. | 1.17% | $117 | Tier 3 rate for balances $10,000 or more. Variable rate. |
Sources (2)
All captured Sep 18, 2026
IRA Savings
0.19%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance. Variable rate.Any balance | 0.19% | $19 | No minimum balance. Variable rate. |
Sources (1)
- csbnet.net/resources/rates · captured Sep 18, 2026
Savings
0.04%APY
Interest calculated daily and paid quarterly. Only $5 monthly charge if minimum daily balance falls below $100; waived for minors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to open or earn rate. $5 monthly fee if daily balance falls below $100 (waived for minors under 21). Variable rate.Any balance | 0.04% | $4 | No minimum balance to open or earn rate. $5 monthly fee if daily balance falls below $100 (waived for minors under 21). Variable rate. |
Sources (3)
- csbnet.net/personal/account-disclosures
- csbnet.net/personal/savings/money-markets
- csbnet.net/resources/rates
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.