Bank · FDIC insured
First Citizens State Bank CD Rates
First Citizens State Bank’s best CD rate is 4.15% APY on a 14-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Citizens State Bank’s CD rates compare
Compared with banks and credit unions near Whitewater, WI, where First Citizens State Bank has the most branches. $10,000, best rate first.
This bank’s best
First Citizens State Bank
4.15%APY
- Term
- 14 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
Certificates of Deposit
Top rate
Fort Community Credit Union
5.15%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $2,854
2nd-highest rate
Advia Credit Union
4.61%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $422
First Citizens State Bank CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.54%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo2.35%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.15%
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 First 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.
Certificates of Deposit
Up to 4.15%APY · 10 terms
Fixed interest rate for entire term of certificate. Interest does not compound. Renewable and Non-Renewable CDs are available. CD Specials renew at next shortest standard term rate. Subject to penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.76% | $44 |
| 4 monthsSpecial term CD; renews at next shortest standard term rate | 3.54% | $117 |
| 6 months | 2.06% | $102 |
| 12 months | 2.25% | $225 |
| 14 monthsSpecial term CD; renews at next shortest standard term rate | 4.15% | $486 |
| 18 months | 2.30% | $347 |
| 24 months | 2.35% | $476 |
| 36 months | 2.75% | $848 |
| 48 months | 2.80% | $1,168 |
| 60 months | 3.00% | $1,593 |
Sources (2)
- firstcitizensww.com/deposit-pr…r-services/deposit-rates
- firstcitizensww.com/deposit-products/personal-savings
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.98%APY · 5 terms
Variable rates may change after account is opened. A substantial interest penalty may be imposed for early withdrawal of all time deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownVariable rate; rates may change after account is opened | 1.26% | $0 |
| 12 months | 2.27% | $227 |
| 18 months | 2.42% | $365 |
| 24 months | 2.52% | $510 |
| 36 months | 2.98% | $921 |
Sources (1)
- firstcitizensww.com/deposit-pr…r-services/deposit-rates · 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.