Central State Bank

Our Routing Number: 081221235
Our Routing Number: 081221235
Site Logo - No Text -150x9

“We’re Central To Your Banking Needs.”

Online Banking Login

Enroll now · Forgot Password? · Trouble Logging In?

Online Banking Login

Enroll now · Forgot Password? · Trouble Logging In?

Interest Rates

Interest Rates

CDs, IRAs, Checking, and Money Market Accounts

TermMinimum BalanceAnnual Percentage Yield (APY)Interest Rate
    
91 Days$1,0000.25%0.25%
182 Days$1,0000.35%0.35%
12 Months$1,0000.55%0.55%
18 Months$1,0001.15%1.15%
24 Months $1,0001.26%1.25%
30 Months$1,0001.36%1.35%
36 Months$1,0001.56%1.55%
48 Months$1,0001.76%1.75%
60 Months$1,0002.17%2.15%
    
  IRAs  Same rates as our CD Rates  
  
Passbook Savings$50 to open account0.25%0.25%
Interest compounded quarterly on CDs, IRAs and Passbook Savings
NOW Account$1,0000.25%0.25%
REWARDS Checking$1,000 – $50,000
$50,001+
2.27%
0.50%
2.25%
Money Market Accounts$2,500 – $9,9990.25%0.25%
Money Market Accounts$10,000 – $24,9990.25%0.25%
Money Market Accounts$25,000 – $49,9990.35%0.35%
Money Market
Accounts
 $50,000+0.45%0.45%

Interest compounded monthly on NOW, Money Market and REWARDS Checking accounts

Effect of closing account – If you close your account before interest is credited, you will not receive the accrued interest.

CD Transaction limitations: You may not make any deposits into your account before maturity.  You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest only on the crediting dates.

CD Early withdrawal penalties: (a penalty may be imposed for withdrawals before maturity)

  • If your account has an original maturity of less than one year:
    The fee we may impose will equal three (3) months’ interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity of 1 year to 23 months:
    The fee we may impose will equal six (6) months’ interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity of 24 to 35 months:
    The fee we may impose will equal nine (9) months’ interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity of 36 to 59 months:
    The fee we may impose will equal twelve (12) months’ interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity of 60 months or greater:
    The fee we may impose will equal eighteen (18) months’ interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.

Passbook Savings: If during any quarter, your average daily balance falls below $50.00, your account will be subject to a $1.25 Service Fee for that quarter.

Rates subject to change without notice

You are now leaving Central State Bank

Central State Bank provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Central State Bank, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL