What are the current interest rates at Citizens State Bank Somerville, TX?

Current rates for Citizens State Bank Somerville, TX include: 12-Month CD: 2.88%, 18-Month CD: 2.83%, 24-Month CD: 2.57%, 36-Month CD: 2.47%, 48-Month CD: 2.63%, 60-Month CD: 2.63%

Citizens State Bank Somerville, TX Rates and Review January 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

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Citizens State Bank Somerville, TX Deposit Rates

Citizens State Bank Somerville, TX's 12-Month CD (Jumbo) rates are at 3.09%, 12-Month CD rates are at 2.88%, 18-Month CD rates are at 2.83%, 60-Month CD rates are at 2.63%, 48-Month CD rates are at 2.63%.

Citizens State Bank Somerville, TX

To see how these rates compare to Citizens State Bank Somerville, TX CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Citizens State Bank Somerville, TX, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Citizens State Bank Somerville, TX CD rates. You can also compare Citizens State Bank Somerville, TX savings rates, MMA rates and mortgage rates using our other rate lists.

Citizens State Bank Somerville, TX 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 Somerville, TX? Share your experience about Citizens State Bank Somerville, TX by leaving a review below, or read customer reviews before you decide to use Citizens State Bank Somerville, TX.

Financial Stability and Texas Ratio

Citizens State Bank Somerville, TX's Texas Ratio is at 9.60%, which is considered excellent. The Texas Ratio for Citizens State Bank Somerville, TX is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Citizens State Bank Somerville, TX is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs Avg

12-Month CD

2.88%

2.37%

18-Month CD

2.83%

2.15%

24-Month CD

2.57%

2.17%

36-Month CD

2.47%

2.12%

48-Month CD

2.63%

2.11%

60-Month CD

2.63%

2.23%

Savings

N/A

0.60%

MMA

N/A

0.76%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Citizens State Bank Somerville, TX

155 8th St
Somerville, TX 77879

https://www.csbtx.bank

MonitorBankRates' Rating

4/5

★★★★☆

Review Citizens State Bank Somerville, TX

Citizens State Bank Somerville, TX CD Rates and Interest Rates

Citizens State Bank Somerville, TX

12-Month CD (Jumbo)

3.09%

$100,000

Citizens State Bank Somerville, TX

12-Month CD

2.88%

$1,000

Citizens State Bank Somerville, TX

18-Month CD

2.83%

$1,000

Citizens State Bank Somerville, TX

48-Month CD

2.63%

$1,000

Citizens State Bank Somerville, TX

60-Month CD

2.63%

$1,000

Citizens State Bank Somerville, TX

24-Month CD

2.57%

$1,000

Citizens State Bank Somerville, TX

30-Month CD

2.57%

$1,000

Citizens State Bank Somerville, TX

36-Month CD

2.47%

$1,000

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Citizens State Bank Somerville, TX Rates with Other Competitive Bank and Credit Union Rates

Landmark Credit Union

60-Month CD

3.90%

$500

Prime Alliance Bank

12-Month CD

3.85%

$500

Tri-County Trust Company

6-Month CD

3.85%

$1,000

First State Bank of Beecher City

3-Month CD

3.80%

$2,500

Security Federal Bank

9-Month CD

3.75%

$500

Suncoast Credit Union

48-Month CD

3.75%

$500

Huron Valley State Bank

36-Month CD

3.54%

$500

Bank of Washington

48-Month CD

3.45%

$500

Central Bank of Kansas City

24-Month CD

3.30%

$500

Pioneer Bank Mapleton, MN

18-Month CD

3.25%

$500

S&T Bank

24-Month CD

3.25%

$500

First Security Bank Mackinaw, IL

18-Month CD

3.00%

$1,000

Range Bank

48-Month CD

3.00%

$1,000

Pineries Bank

36-Month CD

3.00%

$1,000

Chelsea Savings Bank

12-Month CD

2.87%

$20,000

First Federal Bank Littlefield, Texas

36-Month CD (Super Jumbo)

2.63%

$225,000

Main Street Bank

36-Month CD

2.50%

$1,000

Service Federal Credit Union

48-Month CD

2.45%

$500

Century Bank Santa Fe, NM

24-Month CD

2.25%

$1,000

Warren-Boynton State Bank

36-Month CD

2.01%

$1,000

Leader Bank

24-Month CD

2.00%

$100

New Foundation SB

36-Month CD

1.95%

$1,000

The National Capital Bank of Washington

24-Month CD

1.76%

$1,000

First Bank Burkburnett, TX

36-Month CD

1.61%

$1,000

CSB Norwood Young America

Prime Money Market

1.16%

$50,000

Farmers and Merchants Bank Milford, NE

18-Month CD

1.10%

$1,500

The Bank of Brodhead

18-Month CD

1.00%

$500

Greenfield Banking Company Greenfield, IN

48-Month CD

0.90%

$1,000

1st Bergen Federal Credit Union

Share Savings

0.75%

SchoolsFirst Federal Credit Union

Liquid Advantage Money Market

0.75%

$2,000

PS Bank

48-Month CD

0.70%

$500

American Savings Bank, FSB

60-Month CD

0.60%

$1,000

Security State Bank of Marine

36-Month CD

0.50%

$300

Ulster Savings Bank

60-Month CD

0.50%

$500

Citizens State Bank Cadott, WI

48-Month CD

0.45%

$1,000

Somerset Savings Bank

36-Month CD

0.35%

$500

American Eagle Financial Credit Union

24-Month CD

0.30%

$500

Home Loan State Bank

Savings

0.25%

$100

Mutual Federal Bank

Passbook Savings

0.25%

$100

Hilltop National Bank

Health Savings

0.25%

$10,000

First Northern Bank and Trust Company

Royal Savings

0.25%

$1,000

First Bank Creve Coeur, MO

24-Month CD

0.20%

$1,000

StonehamBank

Plus One Money market

0.20%

$10

GreenLeaf Bank

Savings

0.12%

Metropolitan Bank and Trust Company

Savings

0.10%

$500

NCB North Cambridge Coopertive Bank

Money Market

0.10%

$2,500

The Honesdale National Bank

Statement Saving

0.10%

$100

Circuit Federal Credit Union

Savings

0.05%

Bank of Magnolia

Passbook Savings

0.03%

$25

Associated Bank

24-Month CD

0.03%

$1,000

Disclaimer

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

Old National Bank

30-Year Fixed FHA

5.875%

7.902%

0.000

Smart Financial Credit Union

3/1 ARM

4.240%

7.689%

0.000

Smart Financial Credit Union

3/1 ARM (Jumbo)

4.240%

7.689%

0.000

Grow Financial Federal Credit Union

5/1 ARM

5.750%

7.634%

0.000

Smart Financial Credit Union

5/1 ARM

4.740%

7.533%

0.000

Smart Financial Credit Union

5/1 ARM (Jumbo)

4.740%

7.533%

0.000

Great Lakes Credit Union

20 Year Fixed

7.125%

7.527%

0.000

Lake Shore Savings Bank

30-Year Fixed

7.250%

7.402%

0.000

Grow Financial Federal Credit Union

10/1 ARM

6.250%

7.325%

0.000

Kohler Credit Union

10/1 ARM

6.250%

7.325%

0.000

Laredo Federal Credit Union

20 Year Fixed

6.999%

7.235%

0.000

State Employees Credit Union

15 Year Fixed

7.000%

7.168%

0.000

FirstBank of Nebraska

30-Year Fixed

7.125%

7.126%

0.000

Marathon Bank

7/1 ARM

7.000%

7.111%

0.000

Lake Shore Savings Bank

20-Year Fixed

6.800%

6.993%

0.000

Hoosier Hills Credit Union

30 Year Fixed

6.750%

6.880%

0.000

Marathon Bank

5/1 ARM

6.750%

6.859%

0.000

American Bank

30-Year Fixed Jumbo

6.750%

6.825%

0.000

Fidelity Co-operative Bank

30-Year Fixed Jumbo

6.625%

6.809%

0.000

Kennebec Savings Bank

30-Year Fixed

6.750%

0.000

Alpena-Alcona Area Credit Union

30-Year Fixed

6.500%

6.748%

0.000

People First Federal Credit Union

10/1 ARM (Jumbo)

6.740%

6.723%

0.000

Pittsfield Co-operative Bank

7/1 ARM

6.750%

6.697%

0.000

Great Lakes Credit Union

30 Year Fixed

6.375%

6.670%

0.000

Laredo Federal Credit Union

15 Year Fixed

6.375%

6.662%

0.000

Port Washington State Bank

3/1 ARM

6.500%

6.648%

0.000

Port Washington State Bank

5/1 ARM

6.500%

6.630%

0.000

Missouri Credit Union

20 Year Fixed

6.500%

6.628%

0.000

FirstBank of Nebraska

15-Year Fixed

6.625%

6.627%

0.000

FirstBank of Nebraska

20-Year Fixed

6.625%

6.626%

0.000

Missouri Credit Union

30 Year Fixed

6.500%

6.597%

0.000

Penn East Federal Credit Union

10/6 ARM

6.525%

6.595%

0.000

Seaboard Federal Credit Union

30-Year Fixed

6.500%

6.595%

0.000

Pittsfield Co-operative Bank

10/1 ARM

6.500%

6.582%

0.000

Achieva Credit Union

5/1 ARM

5.250%

6.580%

0.000

Auburn Savings Bank

30-Year Fixed

6.500%

6.559%

0.000

Fidelity Co-operative Bank

30-Year Fixed

6.375%

6.556%

0.000

Truliant Federal Credit Union

30-Year Fixed Jumbo

6.500%

6.553%

0.000

Penn Community Bank

5/1 ARM (Jumbo)

6.500%

6.546%

0.000

Penn Community Bank

30-Year Fixed (Jumbo)

6.500%

6.546%

0.000

Mid American Credit Union

30 Year Fixed

6.375%

6.544%

0.000

Laredo Federal Credit Union

10 Year Fixed

6.125%

6.526%

0.000

GreenLeaf Bank

30-Year Fixed

6.500%

6.512%

0.000

Fox Valley Savings Bank

30-Year Fixed

6.375%

6.504%

0.000

Kennebec Savings Bank

15-Year Fixed

6.500%

0.000

Pittsfield Co-operative Bank

30-Year Fixed

6.375%

6.498%

0.000

Penn East Federal Credit Union

5/6 ARM

6.300%

6.498%

0.000

NASA Federal Credit Union

15-Year Fixed Jumbo

6.250%

6.481%

0.000

Northfield Savings Bank

5/1 ARM

5.625%

6.461%

0.000

FirstBank of Nebraska

10/1 ARM

6.375%

6.460%

0.000

View 50 More

Bank Profile & Overview

Citizens State Bank Somerville, TX

155 8th St
Somerville, TX 77879
Burleson
Established Date: 06/01/1925
FDIC Certificate #: 16753
Date of FDIC Deposit Insurance: 12/02/1948

Bank Holding Company: C S B BANCSHARES INC

How Many Domestic U.S. Offices? 7

How Many Branches are There? 7

Website: https://www.csbtx.bank

Is Citizens State Bank Somerville, TX FDIC Insured? Yes

What is Citizens State Bank Somerville, TX's Cert number? 16753

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:

$1,063,200,000

Total Deposits:

$938,026,000

Equity Capital:

$112,490,000

Net Income:

$3,380,000

Return on Assets (ROA):

1.4217%

Return on Equity (ROE):

14.5400%

Headquarters:

Somerville

Regulator:

FDIC

# of Offices:

Source: FDIC | Last Updated 03/31/2024

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Frequently Asked Questions About Citizens State Bank Somerville, TX

Is Citizens State Bank Somerville, TX a safe place to deposit money?

Yes, Citizens State Bank Somerville, TX is considered a safe financial institution. With a Texas Ratio of 9.60%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Citizens State Bank Somerville, TX operate?

Citizens State Bank Somerville, TX currently maintains approximately 7 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 Somerville, TX 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 Somerville, TX provides members with tools to manage their accounts and build a solid financial history.

Does Citizens State Bank Somerville, TX offer online and mobile banking?

Most modern institutions like Citizens State Bank Somerville, TX 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.csbtx.bank.