Bank · FDIC insured
Citizens State Bank CD Rates
Citizens State Bank’s best CD rate is 4.06% APY on a 15-month 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 Iowa, where Citizens State Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens State Bank
4.06%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $510
Certificate of Deposit
Top rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Citizens State Bank CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo0.85%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.06%
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.
Certificate of Deposit
Up to 4.06%APY · 14 terms
Step-Up CDs allow you the opportunity to select a higher rate once during the term of the CD. Interest calculated on a 365 day basis. Penalty will be imposed for early withdrawal. Monthly interest payments available on CDs over $10,000 (except specials). Existing CDs with balance less than required minimum will be allowed to renew at special rate.
| Term | APY · Any balance | APY · $10,000 – $19,999 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 0.50% | — | 0.50% | $12 |
| 5 monthsMinimum deposit < $10,000 | 2.01% | — | 2.01% | $83 |
| 5 monthsSpecial rate. All new special CD issues must meet the required minimum. Existing CDs with a balance of less than the required minimum will be allowed to renew at the special rate | — | 3.40% | 3.40% | $140 |
| 5 monthsSpecial rate. Opening minimum >$20,000. All new special CD issues must meet the required minimum. Existing CDs with a balance of less than the required minimum will be allowed to renew at the special rate | 3.75% | — | 3.75% | $155 |
| 6 months | 0.50% | — | 0.50% | $25 |
| 11 monthsMinimum deposit < $10,000 | 2.01% | — | 2.01% | $184 |
| 11 monthsSpecial rate. All new special CD issues must meet the required minimum. Existing CDs with a balance of less than the required minimum will be allowed to renew at the special rate | 3.75% | — | 3.75% | $343 |
| 12 months | 1.00% | — | 1.00% | $100 |
| 15 monthsMinimum deposit < $10,000 | 2.01% | — | 2.01% | $252 |
| 15 monthsSpecial rate. All new special CD issues must meet the required minimum. Existing CDs with a balance of less than the required minimum will be allowed to renew at the special rate | 4.06% | — | 4.06% | $510 |
| 18 months | 0.75% | — | 0.75% | $113 |
| 24 months | 0.75% | — | 0.75% | $151 |
| 30 months | 0.85% | — | 0.85% | $214 |
| 33 monthsMinimum deposit < $5,000 | 2.01% | — | 2.01% | $563 |
| 33 monthsSpecial rate. All new special CD issues must meet the required minimum. Existing CDs with a balance of less than the required minimum will be allowed to renew at the special rate | 3.55% | — | 3.55% | $1,007 |
| 36 months | 1.00% | — | 1.00% | $303 |
| 42 monthsStep-Up CD allows you the opportunity to select a higher rate once during the term of the CD | 3.03% | — | 3.03% | $1,101 |
| 48 months | 3.03% | — | 3.03% | $1,268 |
| 60 months | 3.03% | — | 3.03% | $1,610 |
Sources (1)
- csbsheldon.com/Pages/currentrates.html · captured Oct 16, 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.