Citizens State Bank - Current Rates

Rates Effective May 14, 2013
The Deposit Rates are updated every Wednesday (weekly).

CD Rates
Account Rates

CD Rates:

CD TERM	MINIMUM DEPOSIT	INTEREST RATE	APY*
91 Days	$2,500	.15	.15
182 Days	$2,500	.20	.20
12 Month Easy Saver***	$200>$499	.25	.25
12 Month Easy Saver***	$500>$999	.30	.30
12 Month Easy Saver***	$1,000>	.35	.35
12 Month	$1,000	.35	.35
18 Month	$1,000	.60	.60
24 Month	$500	.75	.75
30 Month	$500	1.00	1.00
36 Month	$500	1.10	1.10
42 Month Step-Up**	$500	1.15	1.15
48 Month	$500	1.25	1.26
60 Month	$500	1.25	1.26

*Annual Percentage Yield
**"Step-Up" CDs allow you the opportunity to select a higher rate once during the term of the CD.
***"EZ Saver" CDs allows for multiple deposits. Call 712-324-2519 or 712-725-2321 for full details.

	Interest will be calculated on a 365 day basis.
	A penalty will be imposed for early withdrawal of time certificate funds.
	IRA accounts earn .25% higher than the stated CD APY on all terms listed, with the exception of specials.
	An IRA fee of $25.00 will be charged for account transfers to another institution and on premature distributions.
	Early Withdrawal Penalties:
	CD's with term of one year or less = 91 days interest
	CD's with term over one year = 182 days interest
	Monthly Interest Payments are available on CD's over $10,000.00 (with the exception of the specials).
	All new special CD issues must meet the required minimum.
	Existing CDs with a balance of less than the required minimum will be allowed to renew at the special rate.

Visit Sherri Van Gorp or Betty Winter at Citizens State Bank for more CD information!

Account Rates:

	Average Daily Balance Requirement	INTEREST RATE	APY*
Super Savings Account	< $1,500	.05	.05
	> $1,500	.10	.10
Now Checking Account	$0 > $24,999	.05	.05
	$25,000 - $99,999	.05	.05
	$100,000 >	.05	.05
Ultra Money Market Savings Acct	< $10,000	.15	.15
	$10,000 - $49,999	.15	.15
	$50,000 - 99,999	.20	.20
	> $100,000	.30	.30
Health Savings Account &	< $10,000	.20	.20
Retirement Savings Account	$10,000 - $49,999	.25	.25
	> $50,000	.45	.45

*Annual Percentage Yield.
*Rates may vary after account opening.
*Fees may reduce earnings.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: http://www.fdic.gov/deposit/deposits/unlimited/expiration.html