Using Mobile App to access Money Market Account

Making your money
work for you

Earn a nationally competitive rate.
Special Introductory Offer
Earn our Highest Rate, up to
4.50%
Annual Percentage Yield*
Get more out of your money
No Monthly Service Fees or Minimum Balance requirements
Earn a nationally competitive rate
FDIC Insured so you can save confidently

For New Accounts Only.* Rates were last updated on 7/12/2023. Rates are subject to change on any day. Interest is calculated using the average daily balance method and compounds monthly. For additional information, send us a message. 

Citizens State Bank Royal Oak
Bank Better
Open a Money Market Account Today!
Account details to know
Earn a nationally competitive rate
E-Statements Required for Online Account Opening
4.50% APY available for New Accounts Only
Additional benefits
Unlimited in-person deposits and withdrawals 
Online and mobile access to manage your savings
Ask us how to maximize your FDIC insurance coverage!


* Applicants under the age of 18 applying for an account must have an adult co-owner (18 years of age or older) on the account. Fees may reduce earnings. All applicants must meet Citizens State Bank’s account opening requirements. Some restrictions may apply.

Online Banking is free to customers with an eligible account; however, there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and condition of the CSB Online Banking Service Agreement. CSB does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of CSB Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a CSB mobile banking app. Eligible CSB account and CSB Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the CSB Online Banking Service Agreement.

FDIC Insured.
So you can save confidently.

At Citizens State Bank, we understand that security is one of the top priorities for our customers. That’s why we’re proud to offer FDIC insurance, a vital safeguard that provides peace of mind for all our depositors.

With FDIC insurance, your deposits are insured up to $250,000 per depositor, per account ownership category, in case the bank fails or goes out of business. This means that you can have confidence that your money is safe with us, even in uncertain times. It’s important to note that FDIC insurance is backed by the full faith and credit of the U.S. government, meaning that it is one of the safest forms of deposit protection available.

At CSB, we take our responsibility to protect your deposits seriously. We work hard to maintain the financial strength and stability necessary to ensure that your deposits are always safe and secure. With FDIC insurance, you can feel confident that your money is protected, no matter what.
More than just a great rate.
outstanding money market service
Outstanding Service
We thrive by building personal relationships with our clients, we will always put you first.
fdic insured
FDIC Insured
Deposits are FDIC-insured up to the maximum allowed by law, $250,000 per depositor, per bank, per category. Additional bank services are available to maximize your FDIC Insurance coverage. Ask us how!
full service bank
Full Service Bank
Our collection of products and services rivals that of the big banks.
years of money market experience
110+ Years of Service
Our years of experience means that you can count on us.

Have Questions?

We are always available to answer any questions you may have. Let us know how you would like to contact you and one of our bankers will reach out to you promptly.

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