Bank · FDIC insured
The Citizens State Bank CD Rates
The Citizens State Bank’s best CD rate is 2.70% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How The Citizens State Bank’s CD rates compare
Compared with banks and credit unions near McPherson, KS, where The Citizens State Bank has the most branches. $10,000, best rate first.
This bank’s best
The Citizens State Bank
2.70%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $408
CD
Top rate
The Bank of Tescott
3.85%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $484
2nd-highest rate
Community National Bank & Trust
3.51%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $262
The Citizens State Bank CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo1.70%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.70%
- 31–60 months31–60 mo2.50%
- QualifiedQualified2.70%
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 The 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.
CD
Up to 2.70%APY · 7 terms
A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield (APY) may change after account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty may be imposed for early withdrawal. The interest rate and annual percentage yield (APY) may change after account opening | 1.70% | $85 |
| 12 monthsA penalty may be imposed for early withdrawal. The interest rate and annual percentage yield (APY) may change after account opening | 2.50% | $250 |
| 18 monthsA penalty may be imposed for early withdrawal. The interest rate and annual percentage yield (APY) may change after account opening | 2.70% | $408 |
| 24 monthsA penalty may be imposed for early withdrawal. The interest rate and annual percentage yield (APY) may change after account opening | 2.25% | $455 |
| 36 monthsA penalty may be imposed for early withdrawal. The interest rate and annual percentage yield (APY) may change after account opening | 2.35% | $722 |
| 48 monthsA penalty may be imposed for early withdrawal. The interest rate and annual percentage yield (APY) may change after account opening | 2.40% | $995 |
| 60 monthsA penalty may be imposed for early withdrawal. The interest rate and annual percentage yield (APY) may change after account opening | 2.50% | $1,314 |
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.