Bank · FDIC insured
The Citizens State Bank Savings Rates
The Citizens State Bank’s best savings rate is 0.55% APY on $10,000, with its Personal Money Market. Rates checked October 16, 2026.
How The Citizens State Bank’s savings 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
0.55%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $55
Personal Money Market
Top rate
Farmers State Bank
3.66%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $366
2nd-highest rate
The Bank of Tescott
3.16%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $316
The Citizens State Bank savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.55%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0000.70%
- QualifiedQualified0.55%
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 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.
Personal Money Market
0.55%APY
First time customers are required to come into a branch to sign documentation.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Qualifying balance up to $24,999.99 with minimum balance to obtain APY of $1,000. | 0.55% | $55 | Qualifying balance up to $24,999.99 with minimum balance to obtain APY of $1,000. |
| $25,000 – $75,000 | 0.60% | — | |
| $75,000 – $150,000 | 0.70% | — | |
| $150,000 – $250,000 | 0.80% | — | |
| $250,000 and up | 0.95% | — |
Sources (2)
All captured Sep 18, 2026
Personal Savings
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMonthly maintenance fee of $1.00 is charged if average daily balance drops below $100. Minimum balance to earn interest / obtain APY is $100.$100 and up | 0.20% | $20 | Monthly maintenance fee of $1.00 is charged if average daily balance drops below $100. Minimum balance to earn interest / obtain APY is $100. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Health Savings Account
0.30%APY
Must be covered by an HSA-eligible High Deductible Health Plan (HDHP) and not enrolled in Medicare.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.20% | — |
| $5,000 – $10,000 | 0.23% | — |
| $10,000 – $100,000 | 0.30% | $30 |
Sources (2)
All captured Sep 18, 2026
Personal Youth Savings
0.20%APY
For account holders 23 years of age or below; once account holder has reached 23 years of age, account will be revised to Savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMonthly maintenance fee waived for individuals under the age of 23. Minimum balance to earn interest / obtain APY is $100.$100 and up | 0.20% | $20 | Monthly maintenance fee waived for individuals under the age of 23. Minimum balance to earn interest / obtain APY is $100. |
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.