Bank · FDIC insured
Citizens State Bank Savings Rates
Citizens State Bank’s best savings rate is 0.25% APY on $10,000, with its Ultra Money Market Savings Account. Rates checked October 16, 2026.
How Citizens State Bank’s savings 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
0.25%APY
- Minimum
- $10
- Earns on $10,000 a year
- $25
Ultra Money Market Savings Account
Top rate
Employees Credit Union
3.82%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $381
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Citizens State Bank savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.25%
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.
Ultra Money Market Savings Account
Up to 0.25%APY
Requires an opening deposit of $10.00 or more. Interest compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAverage Daily Balance Requirement: < $10,000 | 0.10% | $10 | Average Daily Balance Requirement: < $10,000 |
| $10,000 – $49,999Average Daily Balance Requirement: $10,000 - $49,999 | 0.25% | $25 | Average Daily Balance Requirement: $10,000 - $49,999 |
| $50,000 – $99,999Average Daily Balance Requirement: $50,000 - $99,999 | 0.50% | — | Average Daily Balance Requirement: $50,000 - $99,999 |
| $100,000 and upAverage Daily Balance Requirement: > $100,000 | 1.00% | — | Average Daily Balance Requirement: > $100,000 |
Sources (2)
All captured Sep 18, 2026
Super Savings Account
0.10%APY
Requires an opening deposit of $10.00 or more. Interest compounded monthly. Monthly statement issued. Includes free safe deposit box for one year with new account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Average daily balance < $1,500. Rates may vary after account opening. Fees may reduce earnings. | 0.05% | — | Average daily balance < $1,500. Rates may vary after account opening. Fees may reduce earnings. |
| $1,500 and upAverage daily balance > $1,500. Rates may vary after account opening. Fees may reduce earnings. | 0.10% | $10 | Average daily balance > $1,500. Rates may vary after account opening. Fees may reduce earnings. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Health Savings Account & Retirement Savings Account
Up to 0.50%APY
Retirement Savings Account requires a minimum opening deposit of $500.00 for qualified funds. Interest compounded quarterly. Annual statement issued. IRA account guidelines apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Average daily balance < $10,000. Rates may vary after account opening. Fees may reduce earnings. | 0.10% | $10 | Average daily balance < $10,000. Rates may vary after account opening. Fees may reduce earnings. |
| $10,000 – $49,999Average daily balance $10,000 - $49,999. Rates may vary after account opening. Fees may reduce earnings. | 0.50% | $50 | Average daily balance $10,000 - $49,999. Rates may vary after account opening. Fees may reduce earnings. |
| $50,000 and upAverage daily balance > $50,000. Rates may vary after account opening. Fees may reduce earnings. | 1.00% | — | Average daily balance > $50,000. Rates may vary after account opening. Fees may reduce earnings. |
Sources (2)
All captured Sep 18, 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.