Rates

Community State Bank is dedicated to offering competitive rates and excellent service for the ultimate customer experience.

Retail Accounts

Our certificates of deposit eliminate the uncertainty of investing with competitive rates and flexible terms to help you meet your savings goals.

Effective as of October 1, 2024.

All rates are subject to change without notice. A penalty may be imposed for early withdrawal.

TermInterest RateAnnual Percentage Yield (APY)Minimum Deposit
7-90 Days2.00%2.02%$5,000.00
91 Days2.00%2.02%$2,500.00
182 Days4.05%4.13%$500.00
8 Month Promo3.95%4.02%$5,000.00
9 Months2.05%2.07%$500.00
365 Days1.95%1.97%$500.00
15 Months1.85%1.87%$500.00
18 Months1.70%1.71%$500.00
24 Months1.60%1.61%$500.00
30 Months2.25%2.27%$500.00
35 Months1.00%1.00%$500.00
36 Months1.00%1.00%$500.00
48 Months1.05%1.06%$500.00
60 Months1.10%1.11%$500.00
72 Months1.20%1.21%$500.00

Retail Lending

The interest rates listed below are effective as of 03/29/23.

All rates are subject to change without notice. Other rates and terms are available.

Not a commitment to lend. All loans are subject to credit approval.

For additional product or most current rate information, please stop by the nearest branch or call 814-447-5552 or toll-free at 866-874-5552.

TermModel YearInterest Rate(APR)*Payment Amount
60 Months2023 to 20247.00%7.00%$495.20
72 Months2023 to 20247.50%7.50%$432.43

*Annual Percentage Rate (APR). Monthly payment amounts and APR are based on a loan amount of $25,000.00 and minimum credit score of 661.

Call or stop by your local branch.

TermInterest RateAnnual Percentage Rate (APR)*Payment Amount
60 Months6.40%6.706%$491.75
120 Months6.70%6.865%$288.67
180 Months7.00%7.119%$226.49

All estimated monthly payment amounts and APR are based on a loan amount of $25,000.00.

Maximum loan to value is 80%. Payments must be drafted from a Community State Bank account to receive the stated APR.

TermInterest RateAnnual Percentage Rate (APR)*Payment Amount
10 Year Fixed5.85%6.017%$1,111.50
15 Year Fixed6.55%6.670%$880.95
20 Year Fixed6.60%6.696%$757.63

For first-lien mortgage loans, the payment does not include amounts for taxes and insurance and the total payment amount may be greater.

All estimated monthly payment amounts and APR are based on a loan amount of $100,000.00 and do not include taxes and insurance.
Maximum loan to value is 80%

TermInterest RateAnnual Percentage Rate (APR)*Payment Amount
20 Year Balloon6.65%6.728%239 at $641.96
$59,906.59 due at maturity

This balloon mortgage has a 360 month amortization but matures in 240 months.
Stop by or contact your local branch for more detail on this mortgage loan.

All APR and estimated monthly payments are based on a loan amount of $100,000.00 and do not include taxes and insurance.
Maximum loan to value is 80%.

More loan products, rates, and terms are available. Please stop by or call your local branch for more information.
NMLS number 655264