Annual
Percentage Yields (APYs) on Money Market
Certificates
Minimum Balance
$1,000.00 -- Substantial Penalty for Early
Withdrawal
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This Rate Table Is Published For Informational
Purposes Only.
Rates Are Subject To Change Without Notice
And
Should Be
Confirmed Prior To An Investment Decision.
Fees on these accounts could reduce earnings.
|
Rates Effective May 13, 2008 |
| Term |
30da |
91da |
182da |
12mo |
18mo |
24mo |
30mo |
36mo |
36mo
Option* |
48mo |
Super.Money
Market** |
IRA
12mo |
| APY*** |
1.00% |
1.51% |
2.22% |
2.32% |
2.32% |
2.32% |
2.42% |
2.42% |
2.27% |
3.14% |
3.04% |
2.42% |
|
*36mo-Option CD
provides one-time customer option to raise rate
to currently posted 36-month CD rate
**APY of Highest Tier, see details below for complete Super
Money Market account description
***Compounded Quarterly,
except Super Money Market which is compounded Monthly
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You must deposit $100
to open this account. A minimum balance fee of $8
will be imposed every statement cycle if the balance
falls below $600 any day of the cycle. No minimum
balance charge is assessed if the account has three
(3) or less withdrawals per statement cycle,
excluding electronic fund withdrawals.
You must deposit $100 to open this account. A minimum balance fee of $15 will be imposed every statement cycle if the balance falls below $2,000 any day of the cycle. No minimum balance charge is assessed if the account has three (3) or less withdrawals per statement cycle, excluding electronic fund withdrawals.
You must be at least
55 years of age to have this account. To open a Star
Citizens account, you must deposit $1,000.00. A
minimum balance charge fee of $8.00 will be imposed
every statement cycle if the balance in the account
falls below $1,000.00 any day of the cycle. No
minimum balance charge is assessed if the account has
three or less withdrawals per statement cycle,
excluding electronic fund withdrawals. Account
features include: free checks (bank stock), free
travelers checks, 25% discount on safety deposit box
as long as the account is open.
Rate Information: Your
interest rate and annual percentage yield may change.
We may change the interest rate on your account every
week at our discretion. Interest will be compounded
monthly and credited to your account every month.
To open a NOW
Account, you must deposit $1,500. A minimum
balance fee of $10 will be imposed every statement
cycle if the balance falls below $1,500 any day of
the cycle. We use the daily balance method to
calculate the interest on your account. This method
applies a daily periodic rate to the principal in the
account each day. Interest begins to accrue on the
business day you deposit non-cash items, such as
checks. Interest will be compounded and credited to
your account every month.
Rate
Information: Your interest rate and annual
percentage yield may change. We may change the
interest rate on your account every week, at our
discretion.
To open a SuperNOW
Account, you must deposit $10,000. A minimum
balance fee of $10 will be imposed every statement
cycle if the balance falls below $10,000 any day of
the cycle. We use the daily balance method to
calculate the interest on your account. This method
applies a daily periodic rate to the principal in the
account each day. Interest begins to accrue on the
business day you deposit non-cash items, such as
checks. Interest will be compounded and credited to
your account every month. A debit fee of $.25 will be
charged for each debit in excess of twenty (20)
during a month.
Rate
Information: Your interest rate and annual
percentage yield may change. We may change the
interest rate on your account every week, at our
discretion.
Money Market
Investors' Accounts require a $2,500 deposit to
open. A minimum balance fee of $10 will be imposed
every statement cycle if the balance falls below
$2,500 any day of the cycle. We use the daily balance
method to calculate the interest on your account.
This method applies a daily periodic rate to the
principal in the account each day. Interest begins to
accrue on the business day you deposit non-cash
items, such as checks. Interest will be compounded
and credited to your account every month. Transfers
from a Money Market Investors' Account to
another account or to third parties by pre-authorized
or automatic transfer are limited to six (6) per
monthly statement cycle with no more than three (3)
by check, draft, or similar order to third parties. A
debit fee of $10 will be charged for each debit in
excess of six (6) during a month.
Rate
Information: Your interest rate and annual
percentage yield may change. We may change the
interest rate on your account every week, at our
discretion.
Super Money Market Account
Super Money Market
Investors' Accounts require a $10,000 deposit to
open. We use the daily balance
method to calculate the interest on your account.
This method applies a daily periodic rate to the
principal in the account each day. Interest begins to
accrue on the business day you deposit non-cash
items, such as checks. Interest will be compounded
and credited to your account every month. Transfers
from a Super Money Market Investors' Account to
another account or to third parties by pre-authorized
or automatic transfer are limited to six (6) per
monthly statement cycle with no more than three (3)
by check, draft, or similar order to third parties. A
debit fee of $10 will be charged for each debit in
excess of six (6) during a month.
Rate
Information: This is a tiered account and the interest rate
and the annual percentage yield will vary according to the daily
balance. Your interest rate and annual
percentage yield may change. We may change the
interest rate on your account every week, at our
discretion. You will not earn interest on any day that your
daily balance is less than $100,000.
Tiers: [$100,000.00 to
$249,999.99] [$250,000.00 to $499,999.99] [$500,000.00
to $999,999.99] [$1,000,000.00 and above].
To open a Savings
Account, you must deposit $200. A minimum
balance fee of $2 will be imposed every statement
cycle if the balance falls below $200 any day of the
cycle. We use the daily balance method to calculate
the interest on your account. This method applies a
daily periodic rate to the principal in the account
each day. Interest begins to accrue on the business
day you deposit non-cash items, such as checks.
Interest will be compounded and credited to your
account quarterly. Transfers from a Savings
Account to another account or to third parties
by pre-authorized or automatic transfer are limited
to three (3) per monthly statement cycle. A debit fee
of $2 will be charged for each debit in excess of
three (3) during a quarter.
Rate
Information: Your interest rate and annual
percentage yield may change. We may change the
interest rate on your account every week, at our
discretion.
CSB is now offering a new deposit product, SENIOR CITIZENS CHECKING. This is in addition to the Star Citizens account that we currently offer. You must be 62 years of age or older to qualify. The minimum amount to open the account is $300. If the minimum balance falls below $300 there is an $8 service charge. If you have 10 or less debits per month (excluding electronic funds transfers) the service charge is waived.
You may make
arrangements for certain direct deposits to be
accepted into your Checking and Savings accounts at
no extra charge.
You may make
arrangements to pay certain recurring bills from your
Checking or Savings accounts at no extra charge.
You may access your
account(s) by ATM using your ATM card and personal
identification number (PIN) to:
• make deposits
to checking and savings account(s)
• make cash withdrawals from checking and
savings account(s)
• transfer funds from savings to checking or
vice versa
• get information about your balances
Some of these
services may not be available at all terminals and
fees will be assessed on nonproprietary machines.
Forms
& Applications
are available in Portable Document Format
(pdf files) as a convenience.
They must be printed and returned, bearing
original signatures, to Citizens State Bank
by
conventional methods (mail or courier) before
they will be considered valid requests.
Addresses for our banking centers are located
on the Home Page of this web site.
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