Citizens Savings Bank savings, CD and money market rates
Citizens Savings Bank's Personal Savings advertises 0.10% APY. That is 0.28 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #2184 of 3052 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2002.
Estimate your earnings·What Citizens Savings Bank actually pays
Citizens Savings Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.10% · Personal Savings |
| Minimum to open | $50 · Personal Savings |
| Against the national average | 0.28 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.04% · 6 months · 6 Month CD |
| Minimum to open | $2,500 · 6 months CD |
| Against the national average | 2.65 percentage points above the 1.39% FDIC 6-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | 0.05% · Personal Money Market |
| Minimum to open | $2,500 · Personal Money Market |
| Against the national average | 0.58 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 30270 · Bogalusa, LA |
|---|---|
| Website | www.citizenssb.com |
| Branches | 5 branches in LA |
| Availability | Available in LA |
Citizens Savings Bank savings, CD and money market rates
Personal
IRA
Business
How the rate applies
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Citizens Savings Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 0.50% | $2,500 | 91 Day CD |
| 6 months | 4.04% | $2,500 | 6 Month CD |
| 12 months | 4.00% | $2,500 | 12 Month CD |
| 18 months | 3.50% | $2,500 | 18 Month CD |
| 24 months | 3.65% | $2,500 | 24 Month CD |
| 36 months | 3.25% | $2,500 | 36 Month CD |
| 48 months | 3.25% | $2,500 | 48 Month Bump CD |
| 60 months | 3.25% | $2,500 | 60 Month Bump CD |
| IRA CDs | |||
| 3 months | 0.50% | $250 | 91 Day IRA |
| 6 months | 4.06% | $250 | 6 Month IRA |
| 12 months | 4.06% | $250 | 12 Month IRA |
| 18 months | 3.55% | $250 | 18 Month IRA |
| 24 months | 3.70% | $250 | 24 Month IRA |
| 36 months | 3.29% | $250 | 36 Month IRA |
| 48 months | 3.29% | $250 | 48 Month Bump IRA |
| 60 months | 3.29% | $250 | 60 Month Bump IRA |
Interactive Tool
Calculate Savings for Citizens Savings Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$93.40(0.7%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,093.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Citizens Savings Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Citizens Savings Bank paid a higher average rate on savings and money market deposits than 2% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Citizens Savings Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Christmas Club | 0.25% | $5 | $0 | None | not stated | None | One rate | |
| Fine print: A $5 penalty applies to each withdrawal made before maturity, and a $5 penalty applies if the account is closed before maturity. | ||||||||
| Personal Savings | 0.10% | $50 | $0 | None | not stated | None | One rate | |
| Personal Money Market | 0.05% | $2,500 | $2,500 | None | not stated | None | One rate | |
| Business | ||||||||
| Business/Public Funds Money Market GOLD | Up to 0.20% | $5,000 | $5,000 | None | not stated | None | Tiered | |
| Fine print: The tiered money market rates apply only while the balance stays at or above the $5,000 minimum. If the balance falls below that minimum, the account earns the bank's interest checking account rate instead. | ||||||||
| Business/Public Funds Savings | 0.10% | $50 | $0 | None | not stated | None | One rate | |
| Business/Public Funds Money Market | 0.05% | $2,500 | $2,500 | None | not stated | None | One rate | |
Fine print for 2 products above: The money market rate applies only while the balance stays at or above the $2,500 minimum. If the balance falls below that minimum, the account earns the bank's interest checking account rate instead.
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 91 Day CD | 3 months | 0.50% | $2,500 | not stated | not stated |
| 6 Month CD | 6 months | 4.04% | $2,500 | not stated | not stated |
| 12 Month CD | 12 months | 4.00% | $2,500 | not stated | not stated |
| 18 Month CD | 18 months | 3.50% | $2,500 | not stated | not stated |
| 24 Month CD | 24 months | 3.65% | $2,500 | not stated | not stated |
| 36 Month CD | 36 months | 3.25% | $2,500 | not stated | not stated |
| 48 Month Bump CD | 48 months | 3.25% | $2,500 | not stated | not stated |
| 60 Month Bump CD | 60 months | 3.25% | $2,500 | not stated | not stated |
| IRA CDs | |||||
| 91 Day IRA | 3 months | 0.50% | $250 | not stated | not stated |
| 6 Month IRA | 6 months | 4.06% | $250 | not stated | not stated |
| 12 Month IRA | 12 months | 4.06% | $250 | not stated | not stated |
| 18 Month IRA | 18 months | 3.55% | $250 | not stated | not stated |
| 24 Month IRA | 24 months | 3.70% | $250 | not stated | not stated |
| 36 Month IRA | 36 months | 3.29% | $250 | not stated | not stated |
| 48 Month Bump IRA | 48 months | 3.29% | $250 | not stated | not stated |
| 60 Month Bump IRA | 60 months | 3.29% | $250 | not stated | not stated |
Opening and using the account
| Availability | Available in LA |
|---|---|
| Footprint | 5 branches in LA |
| Eligibility | not stated |
How Citizens Savings Bank behaves over time
Every observation of the advertised Personal Savings rate in the last 12 months was 0.10% (observed through Oct 21, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 7, 20266 Month CDRaise:3.79%to4.04%
- Obs. Oct 7, 202612 Month CDRaise:3.75%to4.00%
- Obs. Oct 7, 202618 Month CDRaise:3.25%to3.50%
- Obs. Oct 7, 202624 Month CDRaise:3.40%to3.65%
- Obs. Oct 7, 202636 Month CDRaise:3.00%to3.25%
- Personal Savings
- The same as 30 days ago.
- 6 months CD
- Up 0.25 percentage points from 30 days ago.
- Personal Money Market
- The same as 30 days ago.
$10,000 at the 0.10% APY Citizens Savings Bank advertises on Personal Savings grows to $10,010 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,649 does today. See how the federal funds rate shapes savings rates.
Citizens Savings Bank CD rates over time
Who is Citizens Savings Bank?
| Headquarters | Bogalusa, LA |
|---|---|
| Founded | 1945 |
| Scale | $329M assets · $282M deposits, $220M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 30270 |
| Charter state | Louisiana · one of 104 insured banks chartered there (Q2 2026, FDIC) |
| Size | 2,312th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 34% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Citizens Savings Bank pays on deposits above.
Common questions about Citizens Savings Bank
Is Citizens Savings Bank FDIC insured?
Yes. Citizens Savings Bank is FDIC insured under certificate 30270, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Citizens Savings Bank?
Citizens Savings Bank requires a minimum deposit of $50 to open its Personal Savings account, as observed on Oct 21, 2026. Check the bank's current terms before you open an account.
Does Citizens Savings Bank have branches?
Yes. Citizens Savings Bank operates 5 branches according to FDIC branch records, in addition to its website and mobile apps.
Citizens Savings Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Citizens Savings Bank | 0.10% | 0.09% | $50 | 5 branches in LA |
| Alliance Bank | 0.10% | 1.33% | $300 | 7 branches in IN |
| Andover State Bank | 0.10% | 2.23% | not stated | 2 branches in KS |
| Argentine Federal Savings | 0.10% | 1.99% | $50 | 2 branches in KS |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Citizens Savings Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Louisiana, nearest to Citizens Savings Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Louisiana, CD rates in Louisiana, money market rates in Louisiana, and banks in Louisiana.