CD & IRA Account Information

Certificates of Deposit & Individual Retirement Accounts

Whether your looking for a short term or long term investomet a Certificate of Deposit from Citizens State Bank is right for you. CDs and IRAs are available at different rates and maturities. Please contact us for additional details when needed. In person, by phone or at A penalty will or may be imposed for early withdrawal on this type of account. Current rates are listed below.

Term Interest Rate* APY**
3 Month 0.50% 0.50%
6 Month 0.65% 0.65%
12 Month 0.85% 0.85%
18 Month 1.05% 1.05%
24 Month 1.15% 1.16%
36 Month 1.30% 1.31%
48 Month 1.40% 1.41%
60 Month 1.60% 1.61%

*Interest Rates are subject to change without prior notice. For current rates contact your local branch office or 903-581-8100
**APY = Annual Percentage Yield

Certificate of Deposit penalty will be as follows:
3 Months - 12 months: 3 Months Interest
18 Months - 36 Months: 6 Months Interest
48 Months and greater: 18 Months Interest

CD and IRA Minimums
$1000. Minimum deposit is required to open a Certificate of Deposit.
$100. Minimum deposit is required to open an IRA.
Must maintain a minimum balance of $1000. in a Certificate of Deposit to obtain disclosed APY.
Must maintain a minimum balance of $100. in an IRA to obtain disclosed APY.



To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all Financial Institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Citizens State Bank will require a valid picture Texas Driver's license and your social security card prior to opening any account.