Citizens State Bank & Trust Co.

203 N. Douglas

Ellsworth, KS  67439

 
 
 

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Bank Deposit Products  

Current Interest Rates

Effective as of June 17, 2008

Certificate of Deposits

Interest Checking Accounts

Savings Accounts


Certificate of Deposits

The Certificate of Deposits listed below are based on a minimum deposit of $500 with a minimum balance of $500 to calculate the Annual Percentage Yield.  Early withdrawal penalties may apply.

Certificate of Deposit Term

Interest Rate

APY

31 Day 1.10 1.11
91 Day 2.00 2.02
182 Day 2.00 2.02
1 Year 2.25 2.27
2 Year 2.40 2.42
3 Year 2.90 2.93
4 Year 3.10 3.14
5 Year 3.25 3.29
*2 Year Jump Rate 2.40 2.42
**Healthcare Plus 3.25 3.29
***Piglet 1 Year CD 2.25 2.27
       

* NOTE: You may change the interest rate one time during the 2 year period for the current 2 Year Jump Rate.
** NOTE:  Based on the minimum deposit of $2,500.00 which is also used to calculate the Annual Percentage Yield and designed to help pay medical bills with no penalty for early withdrawal with proof of medical expense need.
*** NOTE:  Based on the minimum deposit of $350.00 which is also used to calculate the Annual Percentage Yield and designed for students or youth under 18 years of age to encourage savings.

Deposit Accounts

The Deposit Accounts listed below use the minimum balance to calculate the Annual Percentage Yield listed for the account.  Interest rates may change after the account is opened.  Fees may reduce earnings on the account.

Account Minimum Balance Interest Rate APY
Hi-Fi Account -Tiered $2,000     .80     .80
 

                         $25,000  or >

  1.00   1.00
Hometown Gold $1,000    .30     .30
       
       

Account Minimum Balance Interest Rate APY
Savings Account $50 .70  .70
Penny Pig Savings $1 .70  .70
Christmas Club $1 .70  .70
Health Savings Account $50 .70  .70

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