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%, 18-Month CD: 3.05%, 24-Month CD: 2.55%, 36-Month CD: 1.85%, 48-Month CD: 2.25%, 60-Month CD: 2.65%, Savings: 0.25%, MMA: 1.71%

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Citizens State Bank of Loyal

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Citizens State Bank of Loyal Rates & Review November 2026

Q: What CD terms does Citizens State Bank of Loyal offer?

Citizens State Bank of Loyal CD rates are 3.65% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.05% APY for an 18 month CD, 3.65% APY for a 2 year CD, 1.85% APY for a 3 year CD, 2.25% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Citizens State Bank of Loyal for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Citizens State Bank of Loyal's CD - 12-Month rates are at 4.00%, 60-Month CD rates are at 3.75%, CD 60-Month rates are at 3.75%, 24-Month CD rates are at 3.65%, 6-Month CD rates are at 3.65%. Citizens State Bank of Loyal's savings rates are at 0.25%. Citizens State Bank of Loyal's money market rates are at 1.71%. Citizens State Bank of Loyal's checking rates are as high as 0.75%. Citizens State Bank of Loyal's top CD rate of 4.15% APY on an 18 month CD is 41% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. 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 11/05/2026.

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.

Ranked #4 Healthiest 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

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Citizens State Bank of Loyal CD Rates

Product	Rate	APY	Term	Min. Deposit
18-Month CD and Fixed Rate IRA CDs	4.07%	4.15%	18 Months	-
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
18-Month CD and Fixed Rate IRA CDs	4.07%	4.15%	18 Months	-
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
18-Month CD and Fixed Rate IRA CDs	3.98%	4.05%	18 Months	-
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD - 12-Month	3.93%	4.00%	12 months	-
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD and Fixed Rate IRA CDs - 12-month	3.93%	4.00%	12 months	-
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD - 12-Month	3.88%	3.95%	12 months	-
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD and Fixed Rate IRA CDs - 12-month	3.88%	3.95%	12 months	-
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD - 12-Month	3.83%	3.90%	12 months	-
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD and Fixed Rate IRA CDs - 12-month	3.83%	3.90%	12 months	-
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
60-Month CD	3.69%	3.75%	60 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD 60-month	3.69%	3.75%	60 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
60-Month CD	3.64%	3.70%	60 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD 60-month	3.64%	3.70%	60 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
24-Month CD	3.59%	3.65%	24 months	-
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
6-Month CD	3.59%	3.65%	6 months	-
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
60-Month CD	3.59%	3.65%	60 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD - 24-month	3.59%	3.65%	24 months	-
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD 60-month	3.59%	3.65%	60 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD and Fixed Rate IRA CDs - 6-month	3.59%	3.65%	6 Months	-
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
24-Month CD	3.54%	3.60%	24 months	-
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
6-Month CD	3.54%	3.60%	6 months	-
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD - 24-month	3.54%	3.60%	24 months	-
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD and Fixed Rate IRA CDs - 6-month	3.54%	3.60%	6 Months	-
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
24-Month CD	3.49%	3.55%	24 months	-
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
6-Month CD	3.49%	3.55%	6 months	-
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD - 24-month	3.49%	3.55%	24 months	-
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD and Fixed Rate IRA CDs - 6-month	3.49%	3.55%	6 Months	-
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.55% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
48-Month CD	3.30%	3.35%	48 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Shared table with Fixed Rate IRA CDs; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding; Penalty for early withdrawal applies Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 48-month	3.30%	3.35%	48 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
48-Month CD	3.25%	3.30%	48 Months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Shared table with Fixed Rate IRA CDs; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding; Penalty for early withdrawal applies Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 48-month	3.25%	3.30%	48 Months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
48-Month CD	3.20%	3.25%	48 Months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Shared table with Fixed Rate IRA CDs; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding; Penalty for early withdrawal applies Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 48-month	3.20%	3.25%	48 Months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
18-Month CD and Fixed Rate IRA CDs	3.01%	3.05%	18 Months	-
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
36-Month CD	2.91%	2.95%	36 Months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Minimum deposit on all CDs is $1,000.00; APY calculated using monthly compounding; Penalty for early withdrawal applies Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
36-Month CD	2.86%	2.90%	36 Months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Minimum deposit on all CDs is $1,000.00; APY calculated using monthly compounding; Penalty for early withdrawal applies Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD - 12-Month	2.86%	2.90%	12 months	-
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD and Fixed Rate IRA CDs - 12-month	2.86%	2.90%	12 months	-
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
36-Month CD	2.81%	2.85%	36 Months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Minimum deposit on all CDs is $1,000.00; APY calculated using monthly compounding; Penalty for early withdrawal applies Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
60-Month CD	2.62%	2.65%	60 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD 60-month	2.62%	2.65%	60 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $9,999.99; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
24-Month CD	2.52%	2.55%	24 months	-
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
6-Month CD	2.52%	2.55%	6 months	-
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD - 24-month	2.52%	2.55%	24 months	-
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CD and Fixed Rate IRA CDs - 6-month	2.52%	2.55%	6 Months	-
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.55% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
48-Month CD	2.23%	2.25%	48 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Shared table with Fixed Rate IRA CDs; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding; Penalty for early withdrawal applies Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 48-month	2.23%	2.25%	48 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
36-Month CD	1.83%	1.85%	36 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Minimum deposit on all CDs is $1,000.00; APY calculated using monthly compounding; Penalty for early withdrawal applies Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.85% APY · checked 6 times 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 Compounding: Interest at maturity - no compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Savings	0.10%	0.10%
Min Deposit $100 Details Compounding: Quarterly Compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Health Savings Account	0.10%	0.10%
Min Deposit $100 Details Compounding: Quarterly Compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times 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 Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 and over; Monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Money Market	1.30%	1.31%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 to $249,999.99; Monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Money Market	0.90%	0.90%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Money Market	0.70%	0.70%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 to $9,999.99; Monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
CSB Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 to $24,999.99; Monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Citizens State Bank of Loyal Checking Rates

Product	Rate	APY	View More
Loyal Rewards Checking	0.75%	0.75%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Qualifying balance up to $20,000.00; ATM fee refunds nationwide when qualifications are met; no refunds on International ATM fees; no monthly service charge; available to personal accounts only; rates may change after the account is opened Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 6 times 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
IRA, SEP, ROTH IRA's and Coverdell Education Savings Account	1.25%	-	1.26%
Min Deposit $200 Min Balance $0 Details Balance: $0.00 - $9,999.99; Interest compounded quarterly; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 12 times 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 Deposit $200 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Interest compounded quarterly; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 12 times 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 Deposit $200 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Interest compounded quarterly; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.41% APY · checked 12 times 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 Deposit $200 Min Balance $50,000 Details Balance: $50,000.00 and over; Interest compounded quarterly; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
NOW Accounts	0.00%	-	0.00%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 - $999.99; Monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
NOW Accounts	0.05%	-	0.05%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
NOW Accounts	0.05%	-	0.05%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
NOW Accounts	0.05%	-	0.05%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
NOW Accounts	0.05%	-	0.05%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 and over; Monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times 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

Bank Name Citizens State Bank of Loyal

Website https://www.csbloyal.com

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

Bank Holding Company CITIZENS BANCSHARES LOYAL INC

FDIC Certificate # 6186

Regulator FDIC

Established December 15, 1909

FDIC Insurance Date January 1, 1934

Domestic Offices 5

Total Branches 5

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.01%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1636%

Return on Equity (ROE)

11.5600%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Citizens State Bank of Loyal earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #4 in MonitorBankRates Top 100 Healthiest Small Banks 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Banks 2026 ranking.

Customer Reviews

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Frequently Asked Questions About Citizens State Bank of Loyal

Does Citizens State Bank of Loyal offer CDs?

Yes. Citizens State Bank of Loyal current CD rates include its CD - 12-Month at 4.00% APY, its 60-Month CD at 3.75% APY and its CD 60-Month at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Citizens State Bank of Loyal FDIC insured?

Yes. Citizens State Bank of Loyal is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Citizens State Bank of Loyal?

The highest Citizens State Bank of Loyal CD rate is its 18-Month Certificate Of Deposits and Fixed Rate IRA CDs at 4.15% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Citizens State Bank of Loyal offer?

Citizens State Bank of Loyal CD rates are 3.65% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.05% APY for an 18 month CD, 3.65% APY for a 2 year CD, 1.85% APY for a 3 year CD, 2.25% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Citizens State Bank of Loyal for its full lineup.

What is the highest savings rate at Citizens State Bank of Loyal?

The highest Citizens State Bank of Loyal savings rate is its Christmas Savings at 0.25% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Citizens State Bank of Loyal?

The highest Citizens State Bank of Loyal money market rate is its CSB Money Market at 1.71% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Citizens State Bank of Loyal?

The highest Citizens State Bank of Loyal checking rate is its Loyal Rewards Checking at 0.75% APY, verified by MonitorBankRates as of November 5, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Citizens State Bank of Loyal rates compare?

Citizens State Bank of Loyal's top CD rate of 4.15% APY on an 18 month CD is 41% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Citizens State Bank of Loyal's top rates are its 18-Months 18-Month Certificate Of Deposits and Fixed Rate IRA CDs at 4.15% APY, its Christmas Savings at 0.25% APY, its CSB Money Market at 1.71% APY and its Loyal Rewards Checking at 0.75% APY, verified by MonitorBankRates on November 5, 2026.

Current Citizens State Bank of Loyal Rates

12-Month CD2.90%
18-Month CD3.05%
24-Month CD2.55%
36-Month CD1.85%
48-Month CD2.25%
60-Month CD2.65%
Savings0.25%
MMA1.71%

Retrieved from our database of financial products. Rates subject to change.

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Citizens State Bank of Loyal Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Citizens State Bank of Loyal Texas Ratio

Citizens State Bank of Loyal Health Trend

Citizens State Bank of Loyal CD Rates

Citizens State Bank of Loyal Savings Rates

Citizens State Bank of Loyal Money Market Rates

Citizens State Bank of Loyal Checking Rates

Citizens State Bank of Loyal Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Citizens State Bank of Loyal earned the Top 100 Healthiest badge

Customer Reviews

Frequently Asked Questions About Citizens State Bank of Loyal

Does Citizens State Bank of Loyal offer CDs?

Are CDs from Citizens State Bank of Loyal FDIC insured?

What is the highest CD rate at Citizens State Bank of Loyal?

What CD terms does Citizens State Bank of Loyal offer?

What is the highest savings rate at Citizens State Bank of Loyal?

What is the highest money market rate at Citizens State Bank of Loyal?

What is the highest checking rate at Citizens State Bank of Loyal?

How many branches does Citizens State Bank of Loyal operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Citizens State Bank of Loyal rates compare?

Current Citizens State Bank of Loyal Rates

Compare to Other Banks