Bank · FDIC insured
Citizens State Bank Credit Card Rates
Citizens State Bank credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Citizens State Bank’s credit card rates compare
Compared with banks and credit unions near College Station, TX, where Citizens State Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Citizens State Bank
11.99%APR
- Up to
- —
Low-Rate Card
Lowest rate
Brazos Star Credit Union
6.49%APR
- Up to
- 11.90% APR
2nd-lowest rate
BRAZOS VALLEY SCHOOLS CREDIT UNION
8.99%APR
- Up to
- —
Citizens State Bank credit card score
72
Credit card score
Higher than 32% of U.S. banks and credit unions
- Purchase APRPurchase APR11.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citizens State Bank ranks
By credit card score, in each area where it has branches
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.
Low-Rate Card
Personal credit card applications only. Credit card program is issued and administered by TIB The Independent BankersBank, N.A.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory rate for the first 6 months. |
| Ongoing | 11.99% | None | Ongoing variable APR of prime plus 6.99% thereafter. |
Sources (1)
- csbtx.bank/borrow/personal/credit-cards · captured Sep 17, 2026
Preferred Points Rewards Card
Personal credit card applications only. Credit card program is issued and administered by TIB The Independent BankersBank, N.A.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory rate for the first 6 months. |
| Ongoing | 16.99% | None | Ongoing variable APR of prime plus 11.99% thereafter. |
Sources (1)
- csbtx.bank/borrow/personal/credit-cards · captured Sep 17, 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.