Bank · FDIC insured
Citizens State Bank CD Rates
Citizens State Bank’s best CD rate is 3.22% APY on a 2-year 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 in Kansas, where Citizens State Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens State Bank
3.22%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $654
Regular Certificates of Deposit
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
Grant County Bank
4.69%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,576
Citizens State Bank CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo2.62%
- 9–15 months9–15 mo3.07%
- 16–30 months16–30 mo3.22%
- 31–60 months31–60 mo2.96%
- QualifiedQualified3.22%
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 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.
Regular Certificates of Deposit
Up to 3.22%APY · 9 terms
Substantial penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month7-31 Days; compounded at maturity; rate is based on actual days | 1.78% | $3 |
| 3 monthsCompounded at maturity | 2.37% | $59 |
| 6 monthsCompounded at maturity | 2.62% | $130 |
| 12 monthsCompounded semi-annual | 3.07% | $307 |
| 18 monthsCompounded semi-annual | 3.12% | $472 |
| 24 monthsCompounded semi-annual | 3.22% | $654 |
| 30 monthsCompounded semi-annual | 2.77% | $707 |
| 48 monthsCompounded semi-annual | 2.86% | $1,194 |
| 60 monthsCompounded semi-annual | 2.96% | $1,570 |
Special-purpose accounts
IRA Certificates of Deposit
2.78%APY · 1 term
Substantial penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded semi-annual | 2.78% | $278 |
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.