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  2. Citizens State Bank (6194)

Citizens State Bank (6194)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.99%18-month CD20 Month Rule Breaker CD Special
1.30% - Ally Bank High Yield 18-Month CDAdvertisement
1.16%5-year CD5 Year CD
1.85% - Synchrony Bank 60 Month CDAdvertisement
0.35%1-year CD10 Month Rule Breaker CD Special
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
View all Citizens State Bank (6194) rates »

Overview / Commentary
www.csbnet.net
715-386-9050
375 Stageline Road
Hudson, WI 54016

Citizens State Bank (6194) is headquartered in Hudson and is the 140th largest bank in the state of Wisconsin. It is also the 3,453rd largest bank in the nation. It was established in 1904 and as of June of 2016, it had grown to 42 employees at 5 locations. Citizens State Bank (6194) has a B+ health rating.

Related Posts

Citizens State Bank (WI) Ups Rate On 10-Month Rule Breaker CD - 5/26/2016

In November 2015, I wrote about Citizens State Bank’s Rule Breaker CDs, specifically the 20-month Rule Breaker CD and the advantages of the unique features of these CDs. The 20-month CD’s APY has since dropped to 1.40% APY, but the 10-month Rule Breaker CD’s APY was raised to 1.35% at the beginning of the week.

Citizens State Bank (WI) Offers Top-Rate 20-Month CD with Special Features - 11/12/2015

Citizens State Bank has recently come out with a CD special that combines a very competitive rate and flexible features.

20 Month CD With Options; 1.7% APY - 11/11/2015

$10,000 minimum. Depositors have the following options with what the bank calls a "Rule Breaker" CD: 1. One time option to raise the rate to a rule breaker CD of the same term. (I'm not sure that the 20 month is a standard term, so perhaps this option may be of limited value.) 2. Additional deposits of $1,000+ in $1000 increments may be made at any time. Maximum amount of additional deposit is the initial deposit or $25,000 (whichever is less).  3. One time option to withdraw up to 50% of the initial deposit with no penalty. Otherwise EWP is 6 months of interest. It looks like you may only open the accounts in the branches. 

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Health
B+

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
FDIC Certificate #6194
Year Established1904
Employees42
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD8.84%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$158.7MM$150.4MM
LoansQ2 2016vs Q2 2015$118.0MM$105.7MM
DepositsQ2 2016vs Q2 2015$141.9MM$134.4MM
Equity CapitalQ2 2016vs Q2 2015$13.6MM$12.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.5MM$1.5MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$85.00K$315.00K
Real Estate OwnedQ2 2016vs Q2 2015$1.8MM$1.6MM
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 State Bank (6194) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.56%*$400k*-Premium Savings
OTHER TIERS: 0.10% → Up to $25k | 0.21% → $25k - $100k | 0.31% → $100k - $250k | 0.46% → $250k - $400k
0.45%*$10k*-Health Savings Account
OTHER TIERS: 0.09% → Up to $10k
0.45%--IRA Savings
0.04%--Regular Savings

Citizens State Bank (6194) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.43%*$225k*-Premium Checking
OTHER TIERS: 0.05% → Up to $20k | 0.13% → $20k - $50k | 0.23% → $50k - $125k | 0.33% → $125k - $225k
0.37%*$50k*-Citizens Elite Club Checking
OTHER TIERS: 0.09% → Up to $2,500 | 0.17% → $2,500 - $25k | 0.27% → $25k - $50k

Citizens State Bank (6194) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%*$250k*-5 Year CD
OTHER TIERS: 0.46% → $500 - $10k | 0.81% → $10k - $50k | 0.91% → $50k - $100k | 1.06% → $100k - $250k
1.15%$10k-20 Month Rule Breaker CD Special w/Relationship
0.99%$10k-20 Month Rule Breaker CD Special
0.91%*$250k*-3 Year CD
OTHER TIERS: 0.36% → $500 - $10k | 0.50% → $10k - $50k | 0.61% → $50k - $100k | 0.75% → $100k - $250k
0.80%$10k-10 Month Rule Breaker CD Special w/Relationship
0.61%*$250k*-2 Year CD
OTHER TIERS: 0.26% → $500 - $10k | 0.36% → $10k - $50k | 0.41% → $50k - $100k | 0.51% → $100k - $250k
0.46%*$250k*-1 Year CD
OTHER TIERS: 0.16% → $500 - $10k | 0.21% → $10k - $50k | 0.26% → $50k - $100k | 0.36% → $100k - $250k
0.35%$10k-10 Month Rule Breaker CD Special

Citizens State Bank (6194) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%*$250k*-5 Year IRA
OTHER TIERS: 0.46% → $500 - $10k | 0.81% → $10k - $50k | 0.91% → $50k - $100k | 1.06% → $100k - $250k
0.91%*$250k*-3 Year IRA
OTHER TIERS: 0.36% → $500 - $10k | 0.50% → $10k - $50k | 0.61% → $50k - $100k | 0.75% → $100k - $250k
0.61%*$250k*-2 Year IRA
OTHER TIERS: 0.26% → $500 - $10k | 0.36% → $10k - $50k | 0.41% → $50k - $100k | 0.51% → $100k - $250k
Locations


Citizens State Bank (6194) Locations
Woodville Branch140 S Main StWoodville, WI 54028
Menomonie Branch1602 North BroadwayMenomonie, WI 54751
Citizens State Bank375 Stageline RoadHudson, WI 54016
500 West Boulevard Branch500 West BoulevardRoberts, WI 54023
Elmwood Branch601 Main StreetElmwood, WI 54740