Savings Accounts

Regular Savings

This account is ideal for someone who wishes to put money aside from a checking account, but wants access to their account at any time.

  • Earns a competitive rate of interest
  • Immediate access to your funds
  • Can be opened with a minimum deposit of $50.00
  • There is no minimum for persons under the age of 14

Money Market Savings

This savings account is designed for the person who maintains a minimum balance of $2,500.

  • Can draw a higher rate of interest than a Regular Savings Account
  • Immediate access to your funds
  • There is a $10.00 maintenance fee if the balance drops below $2,500

Christmas Club Savings

A Christmas Club account at Citizens State Bank & Trust Company is a great way to save for that special gift. Best of all, you will earn interest while you save for the holidays.

Below is a list of Christmas Club accounts available:

  • $ 5.00 per week = $ 250.00
  • $10.00 per week = $ 500.00
  • $15.00 per week = $ 750.00
  • $20.00 per week = $1,000.00
  • $25.00 per week = $1,250.00
  • $30.00 per week = $1,500.00

Health Savings

This is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents.

  • There is no minimum deposit required