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Citizens Savings Bank (12128)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.bankingwithcsb.com
563-562-3674
101 Church St
Spillville, IA 52168

Citizens Savings Bank (12128) is headquartered in SPILLVILLE and is the 173rd largest bank in the state of Iowa. It is also the 3,503rd largest bank in the nation. It was established in 1908 and as of December of 2024, it had grown to 13 employees at 3 locations. Citizens Savings Bank (12128)'s CD rates are 5X the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #12128
Year Established1908
Employees13
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2.34%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$138.3MM$134.6MM
LoansQ4 2024vs Q4 2023$62.5MM$56.4MM
DepositsQ4 2024vs Q4 2023$115.5MM$107.1MM
Equity CapitalQ4 2024vs Q4 2023$13.1MM$14.3MM
Loan Loss AllowanceQ4 2024vs Q4 2023$1.3MM$1.3MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$26K$31K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens Savings Bank (12128) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$750k*-Hi-Fi Savings
OTHER TIERS: 1.00% → $0 - $50k | 1.25% → $50k - $100k | 1.40% → $100k - $250k | 1.50% → $250k - $500k | 1.75% → $500k - $750k
2.00%*$750k*-Business Hi-Fi Savings
OTHER TIERS: 1.00% → $0 - $50k | 1.25% → $50k - $100k | 1.40% → $100k - $250k | 1.50% → $250k - $500k | 1.75% → $500k - $750k
0.25%$0-Savings
0.25%$0-Business Savings

Citizens Savings Bank (12128) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$0-NOW
0.15%$0-Business NOW

Citizens Savings Bank (12128) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%*$25k*-182 Day Certificate
OTHER TIERS: 4.15% → $1k - $10k | 4.20% → $10k - $25k
4.25%*$25k*-Business 182 Day Certificate
OTHER TIERS: 4.15% → $1k - $10k | 4.20% → $10k - $25k
4.20%$1k-9 Month Certificate
4.20%$1k-Business 9 Month Certificate
4.15%*$25k*-12 Month Certificate
OTHER TIERS: 4.05% → $1k - $10k | 4.10% → $10k - $25k
4.15%*$25k*-Business 12 Month Certificate
OTHER TIERS: 4.05% → $1k - $10k | 4.10% → $10k - $25k
3.90%$1k-18 Month Certificate
3.90%$1k-24 Month Certificate
3.90%$1k-Business 18 Month Certificate
3.90%$1k-Business 24 Month Certificate
3.75%*$25k*-30 Month Certificate
OTHER TIERS: 3.65% → $1k - $10k | 3.70% → $10k - $25k
3.75%*$25k*-Business 30 Month Certificate
OTHER TIERS: 3.65% → $1k - $10k | 3.70% → $10k - $25k
3.65%$1k-36 Month Certificate
3.65%$1k-48 Month Certificate
3.65%$1k-Business 36 Month Certificate
3.65%$1k-Business 48 Month Certificate

Citizens Savings Bank (12128) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$0-IRA Savings
Locations


Citizens Savings Bank (12128) Locations
Citizens Savings Bank101 Church StSpillville, IA 52168
Fort Atkinson Branch104 4th St. NW, Po Box 67Fort Atkinson, IA 52144
Protivin Branch109 N Main StProtivin, IA 52163

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