Citizen's State Bank of Lankin

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Front Page Statement View

Piggy bank
Our Mission

To be the leading bank in the region and in each of the communities we serve by fostering lasting relationships built on trust and integrity and enhancing the value of our communities through a relentless commitment to service.

Picture of a woman smiling
Our Commitment

We are here to serve our customers and communities with innovative financial solutions, user friendly technology and unsurpassed customer service. Here at CSB of Lankin we also believe in 'Giving Back' to our communities.

Savings/CD's

 

Take advantage of our Christmas CD* Special!

5.00% Interest Rate, 5.07% APY** for 10 months with a minimum balance of just $1,000. Our terms and conditions apply.

CD* special begins December 1st, 2023 and ends January 31st, 2024. 

  • Deposit limitations:

            After the account is opened, you may not make any deposits.

  • Withdrawal limitations:

           You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You cannot withdraw interest from your account before maturity.

  • Interest

           Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest will begin to accrue on the business day you deposit noncash items (for example: checks) into your account. Interest will be compounded and credited on a semiannual basis. A penalty may be imposed for withdrawals before maturity.

*Certificate of Deposit, **Annual Percentage Yield.  Minimum deposit $1,000. A penalty may be imposed for early withdrawal. Interest is compounded semi-annually. Auto renewable. Some restrictions may apply. 

 

Consumer Savings
An FDIC insured savings account that offers competitive interest rates on low account balances; a great option for first-time savers or anyone who wants convenient access to their money while it earns interest.

•   

Minimum balance required to open account is $100.00.  There is no minimum to open account if under the age of 18 years.

No Deposit limitations; you may make an unlimited number of deposits into your account.*

 

Statements will be printed and available on a quarterly basis; monthly for accounts with electronic activity.

Online Banking

 

At our discretion, we may change the interest rate for this account. Please contact one of our bank offices for the current interest rates**

 

*

 

 

   

Limitations on frequency of transfers: During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

**

 

 

   

Interest for Consumer Savings will be compounded and credited into this account quarterly. Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account. If you close your account before interest is paid, you will not receive the accrued interest.

 

Consumer Money Market
Our money market account is FDIC insured and pays competitive money market interest rates with a low minimum balance requirement.

•  

Minimum balance required to open is $1,000.00*

No Deposit limitations; you may make an unlimited number of deposits into your account*

Statements will be printed and available on a monthly basis

Online Banking

At our discretion, we may change the interest rate for this account. Please contact one of our bank offices for the current interest rates**

*    If your balance falls below $1,000.00 on any day in the statement cycle, your account will be subject to a service fee for that statement cycle.

 

*

 

 

 

Limitations on frequency of transfers: During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

**

 

 

   

Interest for Money Market Savings will be compounded and credited into this account monthly. Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest will begin to accrue on the business day you deposit non cash items (for example, checks) into your account. If you close your account before interest is paid, you will not receive the accrued interest.

 

Certificates of Deposit
Protected by FDIC insurance, Certificates of Deposit provide low-risk diversification in your investment portfolio and retirement assets. In addition, CDs offer an opportunity that can be used to meet your short term and long term investment goals. You can choose from one of the following terms of certificates and you can be assured in the safety of your deposits.

 

Short Term Investment
3-month, 6-month or 12-month
Minimum balance required to open is $500.00*                                          

•  

 

Deposit limitations:
After the account is opened, you may not make any deposits.

 

 

 

Withdrawal limitations:
You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
You cannot withdraw interest from your account before maturity.

 

 

 

Interest
Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest will begin to accrue on the business day you deposit noncash items (for example: checks) into your account. Interest will be compounded and credited on a semiannual basis; at maturity for 3-month and 6-month CDs. A penalty may be imposed for withdrawals before maturity.

 

 

Long Term Investment  
Minimum balance required to open is $1,000.00*  
24-month, 36-month, and 60-month

•  

 

Deposit limitations:
After the account is opened, you may not make any deposits.

 

 

 

Withdrawal limitations:
You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
You cannot withdraw interest from your account before maturity.

 

 

 

Interest:
Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest will begin to accrue on the business day you deposit noncash items (for example: checks) into your account. Interest will be compounded and credited on a semiannual basis. A penalty may be imposed for withdrawals before maturity.

 

Individual Retirement Account (IRA)
We offer a variety of investment options for retirement purposes. If you would like more information or would like to set up an IRA, call your local Citizens State Bank Branch today!

 

Lankin
701-593-6333

Edinburg
701-993-8625
Edmore
701-644-2231
Park River
701-284-7272

 

*  The interest rate and annual percentage yield may change after account opening.  Fees could reduce the earnings on the account. 

1 National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Data used to calculate the national rates are gathered by RateWatch. Savings and interest checking account rates are based on the $2,500 product tier while money market and certificate of deposit are based on the $10,000 and $100,000 product tiers for non-jumbo and jumbo accounts, respectively. Account types and maturities published in these tables are those most commonly offered by the banks and branches for which we have data - no fewer than 49,000 locations and as many as 81,000 locations reported. The deposit rates of credit unions are not included in the calculation.