Bank · FDIC insured
Citizens State Bank Savings Rates
Citizens State Bank’s best savings rate is 0.50% APY on $10,000, with its Passbook Savings Account. Rates checked October 16, 2026.
How Citizens State Bank’s savings 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
0.50%APY
- Minimum
- $100
- Earns on $10,000 a year
- $50
Passbook Savings Account
Top rate
Communication Federal Credit Union
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
Truity Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
Citizens State Bank savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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.
Passbook Savings Account
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounds and credits semi-annually. Three withdrawals allowed per calendar month with $5 fee for each debit in excess of three. Interest rate may change at bank discretion. Fees may reduce earnings.Any balance | 0.50% | $50 | Interest compounds and credits semi-annually. Three withdrawals allowed per calendar month with $5 fee for each debit in excess of three. Interest rate may change at bank discretion. Fees may reduce earnings. |
Special-purpose accounts
Christmas Club Account
2.02%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA penalty may be imposed for withdrawals before maturity.Any balance | 2.02% | $202 | A penalty may be imposed for withdrawals before maturity. |
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.