Bank · FDIC insured
Citizens State Bank of Loyal CD Rates
Citizens State Bank of Loyal’s best CD rate is 4.15% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Citizens State Bank of Loyal’s CD rates compare
Compared with banks and credit unions near Wausau, WI, where Citizens State Bank of Loyal has the most branches. $10,000, best rate first.
This bank’s best
Citizens State Bank of Loyal
4.05%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $614
Certificate Of Deposits
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
Citizens State Bank of Loyal CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.05%
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 of Loyal 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.
Certificate Of Deposits
Up to 4.05%APY · 7 terms
APY calculated using monthly compounding. Penalty for early withdrawal.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsMonthly compounding. Penalty for early withdrawal | 2.55% | 3.55% | 3.60% | 3.65% | 3.55%2.55% $1k–$10k3.60% $50k–$100k3.65% from $100k | $176 |
| 12 monthsMonthly compounding. Penalty for early withdrawal | 2.90% | 3.90% | 3.95% | 4.00% | 3.90%2.90% $1k–$10k3.95% $50k–$100k4.00% from $100k | $390 |
| 18 monthsMonthly compounding. Penalty for early withdrawal | 3.05% | 4.05% | 4.15% | 4.15% | 4.05%3.05% $1k–$10k4.15% $50k–$100k4.15% from $100k | $614 |
| 24 monthsMonthly compounding. Penalty for early withdrawal | 2.55% | 3.55% | 3.60% | 3.65% | 3.55%2.55% $1k–$10k3.60% $50k–$100k3.65% from $100k | $723 |
| 36 monthsMonthly compounding. Penalty for early withdrawal | 1.85% | 2.85% | 2.90% | 2.95% | 2.85%1.85% $1k–$10k2.90% $50k–$100k2.95% from $100k | $880 |
| 48 monthsMonthly compounding. Penalty for early withdrawal | 2.25% | 3.25% | 3.30% | 3.35% | 3.25%2.25% $1k–$10k3.30% $50k–$100k3.35% from $100k | $1,365 |
| 60 monthsMonthly compounding. Penalty for early withdrawal | 2.65% | 3.65% | 3.70% | 3.75% | 3.65%2.65% $1k–$10k3.70% $50k–$100k3.75% from $100k | $1,963 |
Special-purpose accounts
Fixed Rate IRA CDs
Up to 4.05%APY · 7 terms
Available as Traditional, Roth, or SEP IRA. APY calculated using monthly compounding. Penalty for early withdrawal.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsMonthly compounding. Penalty for early withdrawal | 2.55% | 3.55% | 3.60% | 3.65% | 3.55%2.55% $1k–$10k3.60% $50k–$100k3.65% from $100k | $176 |
| 12 monthsMonthly compounding. Penalty for early withdrawal | 2.90% | 3.90% | 3.95% | 4.00% | 3.90%2.90% $1k–$10k3.95% $50k–$100k4.00% from $100k | $390 |
| 18 monthsMonthly compounding. Penalty for early withdrawal | 3.05% | 4.05% | 4.15% | 4.15% | 4.05%3.05% $1k–$10k4.15% $50k–$100k4.15% from $100k | $614 |
| 24 monthsMonthly compounding. Penalty for early withdrawal | 2.55% | 3.55% | 3.60% | 3.65% | 3.55%2.55% $1k–$10k3.60% $50k–$100k3.65% from $100k | $723 |
| 36 monthsMonthly compounding. Penalty for early withdrawal | 1.85% | 2.85% | 2.90% | 2.95% | 2.85%1.85% $1k–$10k2.90% $50k–$100k2.95% from $100k | $880 |
| 48 monthsMonthly compounding. Penalty for early withdrawal | 2.25% | 3.25% | 3.30% | 3.35% | 3.25%2.25% $1k–$10k3.30% $50k–$100k3.35% from $100k | $1,365 |
| 60 monthsMonthly compounding. Penalty for early withdrawal | 2.65% | 3.65% | 3.70% | 3.75% | 3.65%2.65% $1k–$10k3.70% $50k–$100k3.75% from $100k | $1,963 |
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.