Bank · FDIC insured
Citizens State Bank of Loyal Savings Rates
Citizens State Bank of Loyal’s best savings rate is 0.10% APY on $10,000, with its CSB Savings. Rates checked October 16, 2026.
How Citizens State Bank of Loyal’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $10
CSB Savings
Top rate
CoVantage Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $325
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Citizens State Bank of Loyal savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0001.31%
- QualifiedQualified0.10%
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 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.
CSB Money Market
0.05%APY
Requires a minimum daily balance of $1,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 0.70% | — |
| $50,000 – $100,000 | 0.90% | — |
| $100,000 – $250,000 | 1.31% | — |
| $250,000 and up | 1.71% | — |
Special-purpose accounts
Coverdell Education Savings Account
1.31%APY
Nondeductible contributions with tax-free earnings and distributions for qualified education expenses. Interest compounded quarterly. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier 1 rate for balances up to $9,999.99. Interest compounded quarterly. | 1.26% | — | Tier 1 rate for balances up to $9,999.99. Interest compounded quarterly. |
| $10,000 – $25,000Tier 2 rate for balances $10,000 to $24,999.99. Interest compounded quarterly. | 1.31% | $131 | Tier 2 rate for balances $10,000 to $24,999.99. Interest compounded quarterly. |
| $25,000 – $50,000Tier 3 rate for balances $25,000 to $49,999.99. Interest compounded quarterly. | 1.41% | — | Tier 3 rate for balances $25,000 to $49,999.99. Interest compounded quarterly. |
| $50,000 and upTier 4 rate for balances $50,000 and over. Interest compounded quarterly. | 1.66% | — | Tier 4 rate for balances $50,000 and over. Interest compounded quarterly. |
Individual Retirement Account (IRA) Savings
1.31%APY
Includes Traditional, Roth, and SEP IRA options. Interest is compounded quarterly. Rates are variable and may change after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier 1 rate for balances up to $9,999.99. Interest compounded quarterly. | 1.26% | — | Tier 1 rate for balances up to $9,999.99. Interest compounded quarterly. |
| $10,000 – $25,000Tier 2 rate for balances $10,000 to $24,999.99. Interest compounded quarterly. | 1.31% | $131 | Tier 2 rate for balances $10,000 to $24,999.99. Interest compounded quarterly. |
| $25,000 – $50,000Tier 3 rate for balances $25,000 to $49,999.99. Interest compounded quarterly. | 1.41% | — | Tier 3 rate for balances $25,000 to $49,999.99. Interest compounded quarterly. |
| $50,000 and upTier 4 rate for balances $50,000 and over. Interest compounded quarterly. | 1.66% | — | Tier 4 rate for balances $50,000 and over. Interest compounded quarterly. |
Christmas Savings
0.25%APY
Simple interest calculated daily and paid annually in October at maturity with no compounding. Interest is forfeited for early withdrawal. Not available for overdraft protection or ATM card. No maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest paid at maturity annually with no compounding; interest forfeited for early withdrawal. Rates are variable.Any balance | 0.25% | $25 | Interest paid at maturity annually with no compounding; interest forfeited for early withdrawal. Rates are variable. |
CSB Savings
0.10%APY
Minimum opening deposit is $10.00 if account owner is under age 18. $5.00 monthly service charge applies if daily minimum balance falls below $100 (fee waived for minors under age 18). Interest compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates are variable and may change after account is opened. $5.00 monthly fee applies for balances below $100, waived for minors under age 18. Minimum opening deposit is $10.00 for minors under age 18.Any balance | 0.10% | $10 | Rates are variable and may change after account is opened. $5.00 monthly fee applies for balances below $100, waived for minors under age 18. Minimum opening deposit is $10.00 for minors under age 18. |
Health Savings Account
0.10%APY
Must be used in conjunction with a High Deductible Health Plan. $3 per month maintenance charge waived if maintaining a minimum daily balance of $5,000. Interest compounded quarterly. $25 account closing charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates are variable and may change after account is opened. $3 monthly maintenance charge waived with a minimum daily balance of $5,000.Any balance | 0.10% | $10 | Rates are variable and may change after account is opened. $3 monthly maintenance charge waived with a minimum daily balance of $5,000. |
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.