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Consumer Deposit Rates

Rates Effective as of September 30, 2024. New rates may apply for subsequent dates

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Simply Free Checking

Sometimes it’s best to just keep it simple. And this simple account gives you all of the checking essentials you need.

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$0.00 $0.00 0.00% 0.00%

E-statements. No minimum balance requirements. *Rates effective as of September 30, 2024. New rates may apply for subsequent dates, the rate may change after the account is opened, and fees may reduce the earnings on the account. **Annual Percentage Yield (APY).

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CSB Regular Checking

Discover financial ease with our Regular Checking Account – designed for practicality, accessibility, and seamless transactions.

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$0.00 $0.00 0.00% 0.00%

$3 per month when balance falls below $300. Waived for senior citizens or monthly ACH credit. *Rates effective as of September 30, 2024. New rates may apply for subsequent dates, the rate may change after the account is opened, and fees may reduce the earnings on the account. **Annual Percentage Yield (APY).

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CSB Interest Checking

Watch your balance grow with competitive interest earnings. Manage your money with free online banking, mobile banking, and more.

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$1.00 $1.00 0.25% 0.25%

$10 monthly fee when balance falls below $1,000 during the month. *Rates effective as of September 30, 2024. New rates may apply for subsequent dates, the rate may change after the account is opened, and fees may reduce the earnings on the account. **Annual Percentage Yield (APY).

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CSB Combined Statement Savings

Simplify saving by linking this account to any CSB checking account. Enjoy the ease of one, combined statement.

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$1 – $99,999 $1.00 0.75% 0.75%
$100,000 and over $100,000 0.80% 0.80%

Monthly statement combined with checking account. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY). Rates effective as of September 30, 2024. New rates may apply for subsequent dates.

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CSB Money Market Savings

You’ve done a fantastic job of building your savings — now let us reward you with competitive, tiered-rate earnings.

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$1 – $2,499 $1.00 0.50% 0.50%
$2,500 and over $2,500 0.75% 0.75%

$10 monthly fee when balance falls below $1,000 during the month. $2 per debit over 10 in a month. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY). Rates effective as of September 30, 2024. New rates may apply for subsequent dates.

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CSB Combined Money Market Savings

Looking for a smart way to grow your savings while keeping easy access to your funds?

Minimum balance Minimum Deposit to Open Account Rate* APY**
$1 – $24,999 $1.00 1.25% 1.26%
$25,00 – $49,999 $25,00 1.50% 1.51%
$50,000 – $149,999 $50,000 1.75% 1.76%
$150,000 and over $150,000 2.25% 2.27%

$10 monthly fee when balance falls below $1,000 during the month. $2 per debit over 10 in a month. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY). Rates effective as of September 30, 2024. New rates may apply for subsequent dates.

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Certificates of Deposit (CDs)

Save with certainty. That just has a ring to it, doesn’t it? Meet any savings goal with the guaranteed earnings of a CD.

Certificate Term Minimum to Open Early Withdrawal Penalty # Rate* APY**
182 Days^ $500 3 Months Interest 4.25% 4.30%
12 Months $500 3 Months Interest 4.00% 4.06%
18 Months $500 6 Months Interest 2.45% 2.47%
36 Months $500 6 Months Interest 2.25% 2.27%
60 Months $500 1 Year Interest 2.10% 2.11%

#A Penalty may be imposed for early withdrawal. ^182 Day CDs pay interest of compound at maturity. Rate effective as of September 30, 2024. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).

*The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).

Business Deposit Rates

Rates Effective as of September 30, 2024. New rates may apply for subsequent dates

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Micro Business Advantage Checking

As a small business, you help keep our local economy thriving. Let us help you succeed with checking that helps you save.

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$0.00 $0.00 0.00% 0.00%

No monthly minimum balance. 50 free transactions per month, $.50 fee for each additional transaction/item thereafter. $2.00 per month fee for paper statements. Rates effective as of September 30, 2024. New rates may apply for subsequent dates. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).

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Business Plus Checking

Streamlined checking for your larger business. Keep operations smooth with our business services.

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$0.00 $0.00 0.00% 0.00%

$15.00 per month maintenance fee if monthly average collected balance falls below $25,000. $2.00 per month fee for paper statements. Rates effective as of September 30, 2024. New rates may apply for subsequent dates. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).

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Business Interest Checking

Maximize your business potential! Make your extra checking funds work for you and enjoy competitive interest earnings.

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$1 $1.00 0.25% 0.25%

50 complimentary debit transactions (including check, ACH, and debit card transactions), with a fee of $.20 for each thereafter. Rates effective as of September 30, 2024. New rates may apply for subsequent dates. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).

The Business Interest Checking Account is designed for sole-proprietors, DBA’s, Non-profit Organizations, and Governmental Units.

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Business Statement Savings

Grow your business with our Business Statement Savings Account

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$1.00 $1.00 0.70% 0.70%

$2 monthly fee when balance falls below $300 during the month. $2 per debit over 10 in a month. Rates effective as of September 30, 2024. New rates may apply for subsequent Dates. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).

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Combined Business Statement Savings

Link this account to your CSB business checking to keep your savings clean and simple. Enjoy the convenience of one, combined statement.

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$1.00 $1.00 0.75% 0.75%

Monthly statement combined with checking account. Rates effective as of September 30, 2024. New rates may apply for subsequent dates. *The rate may change after the account is opened, and fees may reduce earnings on the account . **Annual Percentage Yield (APY).

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Business Money Market Account

Unlock your business’s potential with a business money market account

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$1 – $2,499 $1.00 0.50% 0.50%
$2,500 and over $2,500 0.75% 0.75%

$10 monthly fee when balance falls below $1,000 during the month. $2 per debit over 10 in a month. Monthly statement combined with checking account. Rates effective as of September 30, 2024. New rates may apply for subsequent dates. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).

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Combined Money Market Savings

Maximize earnings on your higher business savings balance. Watch it grow with competitive, tiered rates.

Minimum Balance Minimum Deposit to Open Account Rate* APY**
$1 – $24,999 $1.00 1.25% 1.26%
$25,000 – $49,999 $25,000 1.50% 1.51%
$50,000 – $149,999 $50,000 1.75% 1.76%
$150,000 and over $150,000 2.25% 2.27%

$10 monthly fee when balance falls below $1,000 during the month. $2 per debit over 10 in a month. Monthly , statement combined with checking account. Rates effective as of September 30, 2024. New rates may apply for subsequent dates. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).

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Business Certificates of Deposit (CDs)

There isn’t much that’s certain in business. A CD is the exception. Enjoy peace of mind with guaranteed earnings for the term you choose.

Certificate Term Minimum to Open Early Withdraw Penalty# Rate* APY**
182 Days^ $500 3 Months Interest 4.25% 4.30%
12 Months $500 3 Months Interest 4.0% 4.06%
18 Months $500 6 Months Interest 2.45% 2.47%
36 Months $500 6 Months Interest 2.25% 2.27%
60 Months $500 1 Year Interest 2.10% 2.11%

Rates effective as of September 30, 2024. New rates may apply for subsequent dates, the rate may change after the account is opened, and fees may reduce earnings on the account.^182 Day CDs pay interest or compound at maturity. **Annual Percentage Yield (APY). #A penalty may be imposed for early withdraw.

**Annual Percentage Yield (APY), *The rate may change after the account is opened and fees may reduce earnings on the account.