Savings With CSB Loyal

Mobile-friendly CSB Savings
		CSB Savings
Benefit for you	The easiest way to earn interest
Minimum Opening Balance	$100
Minimum to Maintain on Account	$100
Earns Interest	Yes
Monthly Service Charge	$5/ month for balances below $100
Other Conditions	N/A
More Information	CSB Savings

Mobile-friendly CSB Money Market
		CSB Money Market
Benefit for you	Higher balances earn higher rates
Minimum Opening Balance	$1,000
Minimum to Maintain on Account	$1,000
Earns Interest	Tiered interest
Monthly Service Charge	$14/month for balances below $1000
Other Conditions	N/A
More Information	CSB Money Market

Mobile-friendly Certificate of Deposit (CD)
		Certificate of Deposit (CD)
Benefit for you	Higher balances earn higher rates
Minimum Opening Balance	$1000
Minimum to Maintain on Account	N/A
Earns Interest	Tiered Interest
Monthly Service Charge	No service charges
Other Conditions	Penalty for early withdrawal on certificate of deposit
More Information	CSB CDs

Comparison table of savings accounts.
	CSB Savings	CSB Money Market	Certificate of Deposit (CD)
Benefit for you	The easiest way to earn interest	Higher balances earn higher rates	Higher balances earn higher rates
Minimum Opening Balance	$100	$1,000	$1000
Minimum to Maintain on Account	$100	$1,000	N/A
Earns Interest	Yes	Tiered interest	Tiered Interest
Monthly Service Charge	$5/ month for balances below $100	$14/month for balances below $1000	No service charges
Other Conditions	N/A	N/A	Penalty for early withdrawal on certificate of deposit
More Information	CSB Savings	CSB Money Market	CSB CDs

CSB Savings Account:

$100 minimum opening deposit
Minimum daily balance of $100 required¹
Interest calculated daily and compounded quarterly²
ATM card available³
E-Statements available online
Free access to online banking
Free 24 hour telephone banking

¹Must maintain a daily minimum of $100 to avoid a $5.00 monthly charge. Requirement waived for minors under age 18
2.Rates are variable and may change after account is opened. Fees may reduce earnings on the account
3.ATM cards $3.00 each

For more information call 1-800-599-8399

CSB Money Market

A CSB Money Market Account requires a $1,000 minimum balance¹and earns a variable rate of interest with tiered rates

$1000 minimum opening deposit
Minimum daily balance of $1000 required¹
Interest calculated daily and compounded monthly
E-Statements available online
Free access to online banking
Free 24 hour telephone banking
Checks available²

For more information call 1-800-599-8399

CSB Certificates of Deposit

A Certificate of Deposit (CD) is a time deposit account that has a specific period to earn interest. The interest rate is dependent on the rate at the time the initial deposit is made.

Maturity terms ranging from 6 months to 60 months.¹
Competitive tiered interest rates
Annual Percentage Yield (APY) for CD’s is calculated using monthly compounding
$1000 minimum opening deposit unless otherwise stated

1 Penalty for early withdrawal

For more information call 1-800-599-8399

photo of a christmas tree

Christmas Savings

Looking for an easy way to save for holiday shopping? Check out Citizens State Bank of Loyal's Christmas Savings Account!

$10 opening deposit required
Earns Interest¹
No maintenance fees
Automatic transfers into account can be set up
Principal plus interest paid annually in October every year²

¹.Simple interest calculated daily and paid annually. Interest is forfeited for early withdrawal. Rates are variable and may change after account is opened.
2. Interest paid annually, no compounding
Not available for overdraft protection or ATM card