Bank · FDIC insured
Citizens State Bank Credit Card Rates
Citizens State Bank credit card rates start at 12.48% APR. Rates checked October 15, 2026.
How Citizens State Bank’s credit card rates compare
Compared with banks and credit unions in Indiana, where Citizens State Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Citizens State Bank
– –
No ongoing APR published
Lowest rate
Indiana Lakes FCU
6.90%APR
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
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 Credit Card
Approval subject to normal credit standards. No application fee. No balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory balance transfer offer: 0% interest and no balance transfer fee for 6 months. Six-month interest-free period begins on the first balance transfer date. |
| Ongoing | 12.48% | None | Gold Accounts: After six months, the annual percentage rate (APR) on the remaining transferred balance adjusts to 12.48%. |
| Ongoing | 17.92% | None | Classic Accounts: After six months, the annual percentage rate (APR) on the remaining transferred balance adjusts to 17.92%. |
Sources (1)
- mycsbin.com/visa-credit-cards · captured Oct 7, 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.