What are the current interest rates at Citizens State Bank of Loyal?

Current rates for Citizens State Bank of Loyal include: 12-Month CD: 2.90%, 48-Month CD: 2.25%, Savings: 0.10%, MMA: 0.05%

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Citizens State Bank of Loyal

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Citizens State Bank of Loyal Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens State Bank of Loyal provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Citizens State Bank of Loyal's 12-Months 12-Month CD rates are at 4.00%, 12-Months CDs & Fixed Rate IRA CDs - 12 Mo. rates are at 4.00%, 12-Months 12-Month CD rates are at 3.95%, 12-Months CDs & Fixed Rate IRA CDs - 12 Mo. rates are at 3.95%, 12-Months 12-Month CD rates are at 3.90%. Citizens State Bank of Loyal's savings rates are at 0.10%. Citizens State Bank of Loyal's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Citizens State Bank of Loyal with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Rates last updated and verified on 09/19/2026.

Citizens State Bank of Loyal money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens State Bank of Loyal? Share your experience about Citizens State Bank of Loyal by leaving a review below, or read customer reviews before you decide to use Citizens State Bank of Loyal.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.01%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Citizens State Bank of Loyal

400 N Main St
Loyal, WI 54446

https://www.csbloyal.com

Citizens State Bank of Loyal CD Rates

Product	Rate	APY	Term
12 Month CD	3.93%	4.00%	12 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 12 Mo.	3.93%	4.00%	12 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
12 Month CD	3.88%	3.95%	12 months
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 12 Mo.	3.88%	3.95%	12 Months
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
12 Month CD	3.83%	3.90%	12 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 12 Mo.	3.83%	3.90%	12 Months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 60 Mo.	3.69%	3.75%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Comparison table of CDs & Fixed Rate IRA CDs - 48 Mo.	3.69%	3.75%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 60 Mo.	3.64%	3.70%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Comparison table of CDs & Fixed Rate IRA CDs - 48 Mo.	3.64%	3.70%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 24 Mo.	3.59%	3.65%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 6 mo.	3.59%	3.65%	6 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 60 Mo.	3.59%	3.65%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Comparison table of CDs & Fixed Rate IRA CDs - 48 Mo.	3.59%	3.65%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 24 Mo.	3.54%	3.60%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 6 mo.	3.54%	3.60%	6 months
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 24 Mo.	3.49%	3.55%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 6 mo.	3.49%	3.55%	6 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 48 Mo.	3.30%	3.35%	48 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 48 Mo.	3.25%	3.30%	48 months
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 48 Mo.	3.20%	3.25%	48 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 36 Mo.	2.91%	2.95%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Comparison table of CDs & Fixed Rate IRA CDs - 24 Mo.	2.91%	2.95%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
12 Month CD	2.86%	2.90%	12 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 12 Mo.	2.86%	2.90%	12 Months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 36 Mo.	2.86%	2.90%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Comparison table of CDs & Fixed Rate IRA CDs - 24 Mo.	2.86%	2.90%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 36 Mo.	2.81%	2.85%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Comparison table of CDs & Fixed Rate IRA CDs - 24 Mo.	2.81%	2.85%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 60 Mo.	2.62%	2.65%
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Comparison table of CDs & Fixed Rate IRA CDs - 48 Mo.	2.62%	2.65%
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 24 Mo.	2.52%	2.55%
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 6 mo.	2.52%	2.55%	6 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 48 Mo.	2.23%	2.25%	48 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 36 Mo.	1.83%	1.85%
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Comparison table of CDs & Fixed Rate IRA CDs - 24 Mo.	1.83%	1.85%
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Citizens State Bank of Loyal Savings Rates

Product	Rate	APY
Christmas Savings	0.25%	0.25%
Min Deposit $10 Details Interest at maturity - no compounding Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Savings	0.10%	0.10%
Min Deposit $100 Details Quarterly Compounding Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Health Savings Account	0.10%	0.10%
Min Deposit $100 Details Quarterly Compounding Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Citizens State Bank of Loyal Money Market Rates

Product	Rate	APY
CSB Money Market	1.70%	1.71%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Money Market	1.30%	1.31%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Money Market	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Money Market	0.70%	0.70%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Money Market	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Citizens State Bank of Loyal Checking Rates

Product	Rate	APY
Checking Accounts	-	0.75%
Details Qualifications Required: 10 debit card transactions post & clear per statement cycle; enroll & receive E-statements; 1 direct deposit or 1 ACH auto debit post & clear per statement cycle; accesses online banking; ATM Fee Refunds Nationwide. No Minimum Balance. Available to personal accounts only. **ATM fee refunds Nationwide per cycle when qualifications are met. No refunds on International ATM fees. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Loyal Rewards Checking	0.75%	0.75%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Citizens State Bank of Loyal Other Rates

Product	Rate	Points	APY/APR
Certificate Of Deposits and Fixed Rate IRA CDs	2.52%	-	2.55%
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs	3.49%	-	3.55%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs	3.54%	-	3.60%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs	3.59%	-	3.65%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
IRA, SEP, ROTH IRA's and Coverdell Education Savings Account	1.25%	-	1.26%
Min Balance $0 Details Balance: $0 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
IRA, SEP, ROTH IRA's and Coverdell Education Savings Account	1.30%	-	1.31%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
IRA, SEP, ROTH IRA's and Coverdell Education Savings Account	1.40%	-	1.41%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
IRA, SEP, ROTH IRA's and Coverdell Education Savings Account	1.65%	-	1.66%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
NOW Account	0.05%	-	0.05%
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
NOW Account	0.05%	-	0.05%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
NOW Account	0.05%	-	0.05%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
NOW Account	0.05%	-	0.05%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Citizens State Bank of Loyal’s Texas Ratio stayed near 0.36% in Q3 2023 to 0.01% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$312M	0.01%	5.0	A+
March 31, 2026	$307M	0.12%	5.0	A+
December 31, 2025	$309M	0.12%	5.0	A+
September 30, 2025	$304M	0.14%	5.0	A+
June 30, 2025	$317M	0.59%	5.0	A+
March 31, 2025	$304M	0.08%	5.0	A+
December 31, 2024	$303M	0.00%	5.0	A+
September 30, 2024	$306M	0.01%	5.0	A+
June 30, 2024	$287M	0.00%	5.0	A+
March 31, 2024	$283M	0.00%	5.0	A+
December 31, 2023	$287M	0.48%	5.0	A+
September 30, 2023	$274M	0.36%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens State Bank of Loyal is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens State Bank of Loyal rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens State Bank of Loyal's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens State Bank of Loyal

Bank Holding Company CITIZENS BANCSHARES LOYAL INC

Address 400 N Main St, Loyal, WI 54446 · Clark

Website https://www.csbloyal.com

FDIC Certificate # 6186

Established 19091215

FDIC Insurance Date 19340101

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.01%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1636%

Return on Equity (ROE) 11.5600%

Non-Performing Loans (NPL) 0.00%

Total Assets $311,539,000

Total Deposits $250,330,000

Equity Capital $31,825,000

Net Income $1,800,000

Headquarters Loyal

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Citizens State Bank of Loyal earned the Verified Healthy badge

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Frequently Asked Questions About Citizens State Bank of Loyal

How many branches does Citizens State Bank of Loyal operate?

Citizens State Bank of Loyal currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens State Bank of Loyal does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens State Bank of Loyal provides members with tools to manage their accounts and build a solid financial history.

Does Citizens State Bank of Loyal offer online and mobile banking?

Most modern institutions like Citizens State Bank of Loyal provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.csbloyal.com.