Current CD, Savings, and Money Market Rates

Explore competitive deposit rates from Central State Bank, including CD rates, savings account rates, NOW checking, and money market accounts. Whether you're saving for the short term or building long-term wealth, our interest rates are designed to help your money grow with stability and security.

Deposit Rates Effective as of June 13, 2025

Certificates of Deposit Terms	Interest Rate	Annual Percentage Yield	Minimum Opening Deposit Amount	Minimum Daily Balance to Obtain Annual Percentage Yield
6 Month	3.55	3.58	$1,500.00	$0.01
12 Months	3.65	3.68	$1,500.00	$0.01
18 Months	3.60	3.63	$1,500.00	$0.01
24 Months	3.50	3.53	$1,500.00	$0.01
36 Months	3.40	3.43	$1,500.00	$0.01
48 Months	3.30	3.33	$1,500.00	$0.01
60 Months	3.20	3.23	$1,500.00	$0.01
11 Months Special	3.80	3.84	$1,500.00	$0.01

These rates are subject to change at any time. Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months

Savings and NOW Accounts	Interest Rate	Annual Percentage Yield	Minimum Opening Deposit Amount	Minimum Daily Balance to Obtain Annual Percentage Yield
Regular Savings	0.15	0.15	$50.00	$0.01
NOW Checking Account	0.10	0.10	$750.00	$0.01
NOW Elite Checking	2.50	2.50	$1,000.00	$100,000.00 or below
NOW Elite Checking	0.00	0.00	$1,000.00	$100,00.01 & Up

NOW Elite- An interest rate of 0% will be paid only for the portion of daily balance that is greater than $100,000.00.

These rates are subject to change at any time. See account disclosures for details. Fees could reduce earnings on Savings and NOW Accounts.

Money Market Accounts	Interest Rate	Annual Percentage Yield	Minimum Opening Deposit Amount	Minimum Daily Balance to Obtain Annual Percentage Yield
CSB Money Market	1.40	1.40	$5,000,00	$25,000.00 or below
CSB Money Market	1.50	1.50	$5,000,00	$25,000.01 to $100,000.00
CSB Money Market	1.55	1.55	$5,000,00	$100,000.01 to $250,000.00
CSB Money Market	1.65	1.65	$5,000,00	$250,000.01 & Up
CSB Money Market	3.50	3.50	$5,000.00	$500,000.01 & Up
Senior Money Market	1.50	1.50	$1,000,00	$0.01

These rates are subject to change at any time. See account disclosures for details. Fees could reduce earnings on Money Market accounts.

Earn More Money Today

Maximize your earnings with flexible terms and competitive rates on certificates of deposit, high-yield checking, and money market accounts. Rates are subject to change, so contact Central State Bank today to open an account or explore our latest deposit rate options.

Use our easy-to-access financial calculators to estimate your earning potential and find the right savings strategies for your financial goals. Open a high-interest CD, savings account, or money market account now and start growing your money with trusted, competitive bank rates.