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C&SB of Millersburg, Ohio

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C&SB of Millersburg, Ohio Rates & Review November 2026

Q: What are the current interest rates at C&SB of Millersburg, Ohio?

Current rates for C&SB of Millersburg, Ohio include: 12-Month CD: 0.85%, 18-Month CD: 0.90%, 24-Month CD: 0.95%, 36-Month CD: 1.16%, 48-Month CD: 1.36%, 60-Month CD: 1.56%, Savings: 1.86%

Q: Does C&SB of Millersburg, Ohio offer CDs?

Yes. C&SB of Millersburg, Ohio current CD rates include its 4 Year CD at 1.36% APY, its 3 Year CD at 1.16% APY and its 2 Year CD at 0.95% APY, verified by MonitorBankRates as of November 5, 2026.

Q: Are CDs from C&SB of Millersburg, Ohio FDIC insured?

Yes. C&SB of Millersburg, Ohio is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

Q: What is the highest CD rate at C&SB of Millersburg, Ohio?

The highest C&SB of Millersburg, Ohio CD rate is its 25-Month CD Special at 4.45% APY, verified by MonitorBankRates as of November 5, 2026.

Q: What CD terms does C&SB of Millersburg, Ohio offer?

C&SB of Millersburg, Ohio CD rates are 0.85% APY for a 12 month CD, 0.90% APY for an 18 month CD, 0.95% APY for a 2 year CD, 1.16% APY for a 3 year CD, 1.36% APY for a 4 year CD and 1.56% 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 C&SB of Millersburg, Ohio for its full lineup.

Q: What is the highest savings rate at C&SB of Millersburg, Ohio?

The highest C&SB of Millersburg, Ohio savings rate is its Platinum Savings at 1.74% APY, verified by MonitorBankRates as of November 5, 2026.

Q: What is the highest money market rate at C&SB of Millersburg, Ohio?

The highest C&SB of Millersburg, Ohio money market rate is its Savings Money Market at 1.86% APY, verified by MonitorBankRates as of November 5, 2026.

Q: What is the highest checking rate at C&SB of Millersburg, Ohio?

The highest C&SB of Millersburg, Ohio checking rate is its Interest Checking at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

Q: What is the lowest 30 year fixed mortgage rate at C&SB of Millersburg, Ohio?

The lowest C&SB of Millersburg, Ohio 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Year Fixed Rate at 7.00%, verified by MonitorBankRates as of November 5, 2026. C&SB of Millersburg, Ohio mortgage rates are 7.00% for a 30 year mortgage, 7.00% for a 20 year mortgage and 6.875% for a 15 year mortgage.

Q: What is the lowest auto loan rate at C&SB of Millersburg, Ohio?

The lowest C&SB of Millersburg, Ohio auto loan rate is its New Vehicle Auto Loan at 6.24%, verified by MonitorBankRates as of November 5, 2026.

Content reviewed by

Brian McKay

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

C&SB of Millersburg, Ohio's 4 Year CD rates are at 1.36%, 3 Year CD rates are at 1.16%, 2 Year CD rates are at 0.95%, 18-Month CD rates are at 0.90%, 1 Year CD rates are at 0.85%. C&SB of Millersburg, Ohio's savings rates are at 1.86%. C&SB of Millersburg, Ohio's checking rates are as high as 0.10%. C&SB of Millersburg, Ohio's Fixed Rate Mortgage - 15 Year Fixed Rate rates are at 6.875%, Fixed Rate Mortgage - 30 Year Fixed Rate rates are at 7.00%, Fixed Rate Mortgage - 20 Year Fixed Rate rates are at 7.00%. C&SB of Millersburg, Ohio's Personal Loan Rates are as low as 15.23%. C&SB of Millersburg, Ohio's top CD rate of 4.45% APY on a 25 month CD is 52% 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 C&SB of Millersburg, Ohio with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.57%. Rates last updated and verified on 11/05/2026.

C&SB of Millersburg, Ohio 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 C&SB of Millersburg, Ohio? Share your experience about C&SB of Millersburg, Ohio by leaving a review below, or read customer reviews before you decide to use C&SB of Millersburg, Ohio.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.57%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

C&SB of Millersburg, Ohio

91 N Clay St
Millersburg, OH 44654

https://www.csb1.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.

C&SB of Millersburg, Ohio CD Rates

Product	Rate	APY	Term	Min. Deposit
25-Month CD Special	4.36%	4.45%	25 months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $99,999.99; Limited time offer; Substantial penalty for early withdrawal; Available to IRA customers Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
25-Month CD Special	4.36%	4.45%	25 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - $250,000; Limited time offer; Substantial penalty for early withdrawal; Available to IRA customers Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
25-Month CD Special	4.36%	4.45%	25 months	$500
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.01 and above; Limited time offer; Substantial penalty for early withdrawal; Available to IRA customers Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
25-Month IRA CD Special	4.36%	4.45%	25 months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Limited time offer; Renews to a 2-year CD term at maturity; Substantial penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
25-Month IRA CD Special	4.36%	4.45%	25 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - $250,000; Limited time offer; Renews to a 2-year CD term at maturity; Substantial penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
25-Month IRA CD Special	4.36%	4.45%	25 months	$500
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.01 & Above; Limited time offer; Renews to a 2-year CD term at maturity; Substantial penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
13-Month CD Special	4.22%	4.30%	13 months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $99,999.99; Limited time offer; Substantial penalty for early withdrawal; Available to IRA customers Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
13-Month CD Special	4.22%	4.30%	13 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - $250,000; Limited time offer; Substantial penalty for early withdrawal; Available to IRA customers Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
13-Month CD Special	4.22%	4.30%	13 months	$500
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.01 & Above; Limited time offer; Substantial penalty for early withdrawal; Available to IRA customers Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
13-Month IRA CD Special	4.22%	4.30%	13 Months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $99,999.99; IRA customers; Limited time offer; Substantial penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
13-Month IRA CD Special	4.22%	4.30%	13 Months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - $250,000; IRA customers; Limited time offer; Substantial penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
13-Month IRA CD Special	4.22%	4.30%	13 Months	$500
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.01 & Above; IRA customers; Limited time offer; Substantial penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
5-Month CD Special	4.07%	4.15%	5 months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $99,999.99; Not available to IRA customers; Limited time offer; Substantial penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
5-Month CD Special	4.07%	4.15%	5 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - $250,000; Not available to IRA customers; Limited time offer; Substantial penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
5-Month CD Special	4.07%	4.15%	5 months	$500
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.01 and over; Not available to IRA customers; Limited time offer; Substantial penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
IRA 5-Year CD	1.55%	1.56%	5 Year	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 & Above; $500 minimum deposit to open the CD Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 1.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
4-Year CD	1.35%	1.36%	4 Year	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 & Above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.36% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
3-Year CD	1.15%	1.16%	3 Year	$500
Min Deposit $500 Details Balance: $500 & Above Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 1.16% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
2-Year CD	0.95%	0.95%	2 Year	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 & Above Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
18-Month CD	0.90%	0.90%	18 months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 & Above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
1-Year CD	0.85%	0.85%	1 Year	-
Min Balance $500 Details Balance: $500 & Above; $500 minimum deposit to open the CD and earn the APY Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
IRA 1-Year Variable CD	0.85%	0.85%	1 Year	-
Min Balance $500 Details Balance: $500 & Above; Variable rate CD Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
182 Day CD	0.55%	0.55%	182 Day	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 & Above; Fixed rate CD; $500 minimum deposit to open the CD and earn the APY; Early withdrawal penalties may apply Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
91 Day CD	0.45%	0.45%	91 days	$500
Min Deposit $500 Details Balance: $500 & Above Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.45% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
30 Day Savers CD	0.28%	0.28%	30 days	-
Min Balance $250,000 Details Balance: $250,000.01 & Above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.28% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
30 Day Savers CD	0.23%	0.23%	30 days	-
Min Balance $100,000 Details Balance: $100,000 - $250,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.23% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
30 Day Savers CD	0.20%	0.20%	30 days	-
Min Balance $2,500 Details Balance: $2,500 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
30 Day Savers CD	0.15%	0.15%	30 days	-
Min Balance $250 Details Balance: $250 - $2,499.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%

C&SB of Millersburg, Ohio Savings Rates

Product	Rate	APY
Savings Money Market	1.84%	1.86%
Min Balance $1,000,000 Details Balance: $1,000,000 & Above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.86% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Platinum Savings	1.73%	1.74%
Min Balance $1,000,000 Details Balance: $1,000,000 - $4,999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.74% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	1.35%	1.36%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Platinum Savings	1.23%	1.24%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.24% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Platinum Savings	1.09%	1.10%
Min Balance $100,000 Details Balance: $100,000 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	1.09%	1.10%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	1.09%	1.10%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	0.60%	0.60%
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Platinum Savings	0.35%	0.35%
Min Balance $0 Details Balance: $0 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	0.35%	0.35%
Min Balance $5,000 Details Balance: $5,000 - $19,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Health Savings Account	0.29%	0.29%
Min Balance $50,000 Details Balance: $50,000 & Above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.29% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Health Savings Account	0.24%	0.24%
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.24% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
passbook savings	0.20%	0.20%
Min Balance $20,000 Details Balance: $20,000 & Above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Statement Savings	0.20%	0.20%
Min Balance $20,000 Details Balance: $20,000 & Above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
passbook savings	0.16%	0.16%
Min Balance $10 Details Balance: $10 - $19,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.16% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Statement Savings	0.16%	0.16%
Min Balance $10 Details Balance: $10 - $19,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.16% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Health Savings Account	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000 - $19,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Health Savings Account	0.11%	0.11%
Min Balance $50 Details Balance: $50 - $4,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.11% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Christmas Club	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $5,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%

C&SB of Millersburg, Ohio Money Market Rates

Product	Rate	APY
Savings Money Market	1.84%	1.86%
Min Balance $1,000,000 Details Balance: $1,000,000 & Above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.86% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	1.35%	1.36%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	1.09%	1.10%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	1.09%	1.10%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	0.60%	0.60%
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Savings Money Market	0.35%	0.35%
Min Balance $5,000 Details Balance: $5,000 - $19,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%

C&SB of Millersburg, Ohio Checking Rates

Product	Rate	APY	View More
Interest Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 & Above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%

C&SB of Millersburg, Ohio Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgage - 15 Year Fixed Rate	6.875%	0	7.018%	15 years
Details example assumes 80% LTV and $200,000 loan amount Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.40% → 7.02% ▼ 0.38 pts · high 7.40% / low 7.02% Oct 31, 20267.02%▼ from 7.14% Oct 26, 20267.14%▼ from 7.40% Oct 22, 20267.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Fixed Rate Mortgage - 30 Year Fixed Rate	7.00%	0	7.089%	30 years
Details example assumes 80% LTV and $200,000 loan amount Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.34% → 7.09% ▼ 0.25 pts · high 7.34% / low 7.09% Nov 5, 20267.09%▼ from 7.21% Oct 26, 20267.21%▼ from 7.34% Oct 22, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Fixed Rate Mortgage - 20 Year Fixed Rate	7.00%	0	7.116%	20 years
Details example assumes 80% LTV and $200,000 loan amount Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.49% → 7.12% ▼ 0.38 pts · high 7.49% / low 7.12% Nov 5, 20267.12%▼ from 7.24% Oct 26, 20267.24%▼ from 7.49% Oct 22, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%

C&SB of Millersburg, Ohio Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	7.00%	120 months
Details Minimum Loan Amount: $50,000+; Floor: 4.00%; Rates shown for credit score of at least 760 and loan-to-value of 80% with a 120-month term; variable rate tied to Prime; $75.00 annual fee; pre-payment penalty of 1% of original line amount up to $500 if closed within three years Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Home Equity Line of Credit	-	-	7.25%	120-month
Details Balance: $50,000+; Credit score of at least 720; loan-to-value of 80%; Floor: 4.00%; APR will not be less than the floor, maximum 18% over lifetime; variable rate tied to Prime; $75.00 annual fee Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Home Equity Line of Credit	-	-	7.50%	120-month
Details Balance: $20,000 - $49,999.99; Credit score of at least 720; loan-to-value of 80%; Floor: 4.00%; APR will not be less than the floor, maximum 18% over lifetime; variable rate tied to Prime; $75.00 annual fee Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Home Equity Line of Credit	-	-	8.00%	120-month
Details Balance: $10,000 - $19,999.99; Credit score of at least 720; loan-to-value of 80%; Floor: 4.00%; APR will not be less than the floor, maximum 18% over lifetime; variable rate tied to Prime; $75.00 annual fee Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Home Equity Loan - 10 Year Term	8.00%	-	8.301%	10 Year
Details Credit score of at least 780; $25,000 loan amount example at 80% LTV; APR includes prepaid finance charges of $325; total closing costs $999; title insurance required on loans above $250,000 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 8.43% → 8.30% ▼ 0.13 pts · high 8.43% / low 8.30% Oct 31, 20268.30%▼ from 8.43% Oct 22, 20268.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Home Equity Loan - 5 Year Term	7.875%	-	8.43%	5 Year
Details Credit score of at least 780; $25,000 loan amount example at 80% LTV; APR includes prepaid finance charges of $325; total closing costs $999; title insurance required on loans above $250,000 Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 8.56% → 8.43% ▼ 0.13 pts · high 8.56% / low 8.43% Oct 31, 20268.43%▼ from 8.56% Oct 22, 20268.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%

C&SB of Millersburg, Ohio Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Auto Loan	6.24%	-	6.725%	up to 66 months
Details As Low As; Simple Interest Rate (As low as) 6.24%; Rates shown for applicants with credit scores of 750 or higher; Example APR based on $20,283 loan amount Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 6.73% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Used Vehicle Auto Loan	6.49%	-	7.021%	60 months
Details As Low As; Vehicle Year: 2019 - 2026; Rates shown for applicants with credit scores of 750 or higher; Example APR based on $20,283 loan amount Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 7.02% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
New Vehicle Auto Loan	6.74%	-	7.191%	72 Months
Details As Low As; Simple Interest Rate (As low as) 6.74%; Rates shown for applicants with credit scores of 750 or higher; Example APR based on $20,283 loan amount Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 7.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Used Vehicle Auto Loan	6.74%	-	7.191%	72 months
Details As Low As; Vehicle Year: 2019 - 2026; Rates shown for applicants with credit scores of 750 or higher; Example APR based on $20,283 loan amount Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 7.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Used Vehicle Auto Loan	8.99%	-	9.661%	48 months
Details As Low As; Vehicle Year: 2018 & Older; Rates shown for applicants with credit scores of 750 or higher; Example APR based on $20,283 loan amount Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 9.66% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%

C&SB of Millersburg, Ohio RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle & ATV Loan - New	8.25%	9.316%	60 months
Details As Low As; Type: New; Rates shown for applicants with credit scores of 700 or higher; Example APR based on $10,283 loan amount Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 9.32% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Motorcycle & ATV Loans - Used	9.75%	11.074%	48 months
Details As Low As; Rates shown for credit scores of 700 or higher; Higher rates available for used units and credit scores below 700; $250.00 loan documentation fee and other fees financed; Example APR based on $10,283.00 loan amount Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 11.07% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%

C&SB of Millersburg, Ohio Personal Loan Rates

Product	APR	Term
Unsecured Personal Loan - 700+ Credit Score	15.23%	36 months
Details As Low As; Credit Score: 700+; Simple Interest Rate: 13.50%; Example APR based on loan amount of $10,250.00; Loan amount of $10,000 requested plus $250 loan documentation fee financed Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 15.23% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%
Unsecured Personal Loan - Credit Score below 700	16.241%	36 months
Details Credit Score: <700; Simple Interest Rate: 14.50%; Example APR based on loan amount of $10,250.00; Loan amount of $10,000 requested plus $250 loan documentation fee financed Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 16.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%

C&SB of Millersburg, Ohio Other Rates

Product	Rate	Points	APY/APR	Term	View More
Vacant Land Loan - 36 Months with Balloon	7.50%	0	8.134%	36 Months
Details Maximum loan-to-value 80%; applicants with credit scores greater than or equal to 780; purchase loans must be for consumer purpose and secured with vacant land; payment example $80,000 loan amortized over 20 years Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 8.13% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.57%

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

C&SB of Millersburg, Ohio’s Texas Ratio rose from 0.26% in Q3 2023 to 5.57% in Q2 2026, so its financial health has held steady at a healthy level 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	$1.3B	5.57%	5.0	A+
March 31, 2026	$1.3B	0.80%	5.0	A+
December 31, 2025	$1.3B	0.52%	5.0	A+
September 30, 2025	$1.2B	0.60%	5.0	A+
June 30, 2025	$1.2B	1.13%	5.0	A+
March 31, 2025	$1.2B	1.36%	5.0	A+
December 31, 2024	$1.2B	1.50%	5.0	A+
September 30, 2024	$1.2B	2.96%	5.0	A+
June 30, 2024	$1.2B	6.10%	5.0	A
March 31, 2024	$1.2B	0.33%	5.0	A+
December 31, 2023	$1.2B	0.37%	5.0	A+
September 30, 2023	$1.2B	0.26%	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 C&SB of Millersburg, Ohio 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 C&SB of Millersburg, Ohio 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 C&SB of Millersburg, Ohio's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name C&SB of Millersburg, Ohio

Website https://www.csb1.com

Address 91 N Clay St, Millersburg, OH 44654 · Holmes

Bank Holding Company CSB BCORP INC

FDIC Certificate # 9139

Regulator FED

Established January 1, 1879

FDIC Insurance Date January 1, 1934

Domestic Offices 16

Total Branches 16

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.57%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.4580%

Return on Equity (ROE)

14.6400%

Non-Performing Loans Ratio (NPL)

0.56%

Total Assets

$1,295,187,000

Total Deposits

$1,134,721,000

Equity Capital

$130,879,000

Net Income

$9,362,000

Headquarters

Millersburg

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

C&SB of Millersburg, Ohio earned the Verified Healthy 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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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About C&SB of Millersburg, Ohio

Does C&SB of Millersburg, Ohio offer CDs?

Yes. C&SB of Millersburg, Ohio current CD rates include its 4 Year CD at 1.36% APY, its 3 Year CD at 1.16% APY and its 2 Year CD at 0.95% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from C&SB of Millersburg, Ohio FDIC insured?

Yes. C&SB of Millersburg, Ohio 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 C&SB of Millersburg, Ohio?

The highest C&SB of Millersburg, Ohio CD rate is its 25-Month CD Special at 4.45% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does C&SB of Millersburg, Ohio offer?

C&SB of Millersburg, Ohio CD rates are 0.85% APY for a 12 month CD, 0.90% APY for an 18 month CD, 0.95% APY for a 2 year CD, 1.16% APY for a 3 year CD, 1.36% APY for a 4 year CD and 1.56% 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 C&SB of Millersburg, Ohio for its full lineup.

What is the highest savings rate at C&SB of Millersburg, Ohio?

The highest C&SB of Millersburg, Ohio savings rate is its Platinum Savings at 1.74% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at C&SB of Millersburg, Ohio?

The highest C&SB of Millersburg, Ohio money market rate is its Savings Money Market at 1.86% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at C&SB of Millersburg, Ohio?

The highest C&SB of Millersburg, Ohio checking rate is its Interest Checking at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at C&SB of Millersburg, Ohio?

The lowest C&SB of Millersburg, Ohio 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Year Fixed Rate at 7.00%, verified by MonitorBankRates as of November 5, 2026. C&SB of Millersburg, Ohio mortgage rates are 7.00% for a 30 year mortgage, 7.00% for a 20 year mortgage and 6.875% for a 15 year mortgage.

What is the lowest auto loan rate at C&SB of Millersburg, Ohio?

The lowest C&SB of Millersburg, Ohio auto loan rate is its New Vehicle Auto Loan at 6.24%, verified by MonitorBankRates as of November 5, 2026.

What is the lowest personal loan rate at C&SB of Millersburg, Ohio?

The lowest C&SB of Millersburg, Ohio personal loan rate is its Unsecured Personal Loan - 700+ Credit Score at 13.50%, verified by MonitorBankRates as of November 5, 2026.

How many branches does C&SB of Millersburg, Ohio operate?

C&SB of Millersburg, Ohio currently maintains approximately 16 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, C&SB of Millersburg, Ohio 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, C&SB of Millersburg, Ohio provides members with tools to manage their accounts and build a solid financial history.

Does C&SB of Millersburg, Ohio offer online and mobile banking?

Most modern institutions like C&SB of Millersburg, Ohio 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.csb1.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 C&SB of Millersburg, Ohio rates compare?

C&SB of Millersburg, Ohio's top CD rate of 4.45% APY on a 25 month CD is 52% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. C&SB of Millersburg, Ohio's top rates are its 25-Months 25-Month CD Special at 4.45% APY, its Savings Money Market at 1.86% APY, its Interest Checking at 0.10% APY, its Fixed Rate Mortgage - 15 Year Fixed Rate at 6.875% and its Unsecured Personal Loan - 700+ Credit Score at 15.23% APR, verified by MonitorBankRates on November 5, 2026.

Current C&SB of Millersburg, Ohio Rates

12-Month CD0.85%
18-Month CD0.90%
24-Month CD0.95%
36-Month CD1.16%
48-Month CD1.36%
60-Month CD1.56%
Savings1.86%

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

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C&SB of Millersburg, Ohio Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

C&SB of Millersburg, Ohio Texas Ratio

C&SB of Millersburg, Ohio Health Trend

C&SB of Millersburg, Ohio CD Rates

C&SB of Millersburg, Ohio Savings Rates

C&SB of Millersburg, Ohio Money Market Rates

C&SB of Millersburg, Ohio Checking Rates

C&SB of Millersburg, Ohio Mortgage Rates

C&SB of Millersburg, Ohio Home Equity & HELOC

C&SB of Millersburg, Ohio Auto Loan Rates

C&SB of Millersburg, Ohio RV, Boat and Powersport Loan Rates

C&SB of Millersburg, Ohio Personal Loan Rates

C&SB of Millersburg, Ohio Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

C&SB of Millersburg, Ohio earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About C&SB of Millersburg, Ohio

Does C&SB of Millersburg, Ohio offer CDs?

Are CDs from C&SB of Millersburg, Ohio FDIC insured?

What is the highest CD rate at C&SB of Millersburg, Ohio?

What CD terms does C&SB of Millersburg, Ohio offer?

What is the highest savings rate at C&SB of Millersburg, Ohio?

What is the highest money market rate at C&SB of Millersburg, Ohio?

What is the highest checking rate at C&SB of Millersburg, Ohio?

What is the lowest 30 year fixed mortgage rate at C&SB of Millersburg, Ohio?

What is the lowest auto loan rate at C&SB of Millersburg, Ohio?

What is the lowest personal loan rate at C&SB of Millersburg, Ohio?

How many branches does C&SB of Millersburg, Ohio operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does C&SB of Millersburg, Ohio 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 C&SB of Millersburg, Ohio rates compare?

Current C&SB of Millersburg, Ohio Rates

Compare to Other Banks