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Citizens State Bank of Loyal Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 14, 2026
Citizens State Bank of Loyal's top rates as of October 14, 2026 are 4.15% APY on its 18-Months Certificate Of Deposits - 18-Month, 0.25% APY on savings, 1.71% APY on money market accounts, and 0.75% APY on checking, according to rates verified by MonitorBankRates. Other Citizens State Bank of Loyal CD rates include 18-Months Certificate Of Deposits - 18-Month at 4.15%, 18-Months Certificate Of Deposits and Fixed Rate IRA CDs - 18-Month at 4.15%, and 18-Months Certificate Of Deposits and Fixed Rate IRA CDs - 18-Month at 4.15%. MonitorBankRates evaluates the financial stability of Citizens State Bank of Loyal with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Rates last updated and verified on 10/14/2026.
Citizens State Bank of Loyal money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens State Bank of Loyal? Share your experience about Citizens State Bank of Loyal by leaving a review below, or read customer reviews before you decide to use Citizens State Bank of Loyal.
Citizens State Bank of Loyal has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Citizens State Bank of Loyal has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
0.01%
ExcellentLower than avg
Citizens State Bank of Loyal Texas Ratio
Citizens State Bank of Loyal's Texas Ratio is 0.01%, which is considered excellent and is lower than the national average of 5.85%.
Citizens State Bank of Loyal has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.36% to 0.01% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Citizens State Bank of Loyal CD Rates
Product
Rate
APY
Term
View More
Certificate Of Deposits - 18 month
4.07%
4.15%
18 months
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits - 18 month
4.07%
4.15%
18 months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs - 18 month
4.07%
4.15%
18 Months
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99
Last Updated10/14/2026
Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs - 18 month
4.07%
4.15%
18 Months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/14/2026
Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits - 18 month
3.98%
4.05%
18 months
Min Balance$10,000
DetailsBalance: $10,000 to $49,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs - 18 month
3.98%
4.05%
18 Months
Min Balance$10,000
DetailsBalance: $10,000 to $49,999.99
Last Updated10/14/2026
Rate History
No change since Oct 3, 2026 · 4.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits - 12 month
3.93%
4.00%
12 months
Min Balance$100,000
DetailsBalance: $100,000.00 and over
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs - 12 month
3.93%
4.00%
12 months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits - 12 month
3.88%
3.95%
12 months
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 3.95% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs - 12 month
3.88%
3.95%
12 months
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits - 12 month
3.83%
3.90%
12 months
Min Balance$10,000
DetailsBalance: $10,000.00 - $49,999.99
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs - 12 month
3.83%
3.90%
12 months
Min Balance$10,000
DetailsBalance: $10,000 to $49,999.99
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposit - 60 month
3.69%
3.75%
60 months
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000.00 and over; Penalty for early withdrawal applies; APY calculated using monthly compounding
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposit - 60 month
3.64%
3.70%
60 months
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Penalty for early withdrawal applies; APY calculated using monthly compounding
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
6 Month Certificate Of Deposits and Fixed Rate IRA CDs
3.59%
3.65%
6 months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposit - 24 month
3.59%
3.65%
24 months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposit - 60 month
3.59%
3.65%
60 months
Min Deposit$1,000
Min Balance$10,000
DetailsBalance: $10,000.00 - $49,999.99; Penalty for early withdrawal applies; APY calculated using monthly compounding
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
6 Month Certificate Of Deposits and Fixed Rate IRA CDs
3.54%
3.60%
6 months
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposit - 24 month
3.54%
3.60%
24 months
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
6 Month Certificate Of Deposits and Fixed Rate IRA CDs
3.49%
3.55%
6 months
Min Balance$10,000
DetailsBalance: $10,000 to $49,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposit - 24 month
3.49%
3.55%
24 months
Min Balance$10,000
DetailsBalance: $10,000 to $49,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
48 month Certificate of Deposit
3.30%
3.35%
48 months
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000.00 and over; APY calculated using monthly compounding; Penalty for early withdrawal applies
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
48 month Certificate of Deposit
3.25%
3.30%
48 months
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; APY calculated using monthly compounding; Penalty for early withdrawal applies
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
48 month Certificate of Deposit
3.20%
3.25%
48 months
Min Deposit$1,000
Min Balance$10,000
DetailsBalance: $10,000.00 - $49,999.99; APY calculated using monthly compounding; Penalty for early withdrawal applies
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits - 18 month
3.01%
3.05%
18 months
Min Balance$1,000
DetailsBalance: $1,000 to $9,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs - 18 month
3.01%
3.05%
18 Months
Min Balance$1,000
DetailsBalance: $1,000 to $9,999.99
Last Updated10/14/2026
Rate History
No change since Oct 3, 2026 · 3.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
36 Month CD
2.91%
2.95%
36 Months
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000.00 and over; Penalty for early withdrawal applies; APY calculated using monthly compounding
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.95% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate of Deposit - 36 month
2.91%
2.95%
36 months
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000.00 and over; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding; Penalty for early withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.95% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
36 Month CD
2.86%
2.90%
36 Months
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000.00 to $99,999.99; Penalty for early withdrawal applies; APY calculated using monthly compounding
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.90% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate of Deposit - 36 month
2.86%
2.90%
36 months
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding; Penalty for early withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.90% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits - 12 month
2.86%
2.90%
12 months
Min Balance$1,000
DetailsBalance: $1,000.00 - $9,999.99
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 2.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs - 12 month
2.86%
2.90%
12 months
Min Balance$1,000
DetailsBalance: $1,000 to $9,999.99
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
36 Month CD
2.81%
2.85%
36 Months
Min Deposit$1,000
Min Balance$10,000
DetailsBalance: $10,000.00 to $49,999.99; Penalty for early withdrawal applies; APY calculated using monthly compounding
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate of Deposit - 36 month
2.81%
2.85%
36 months
Min Deposit$1,000
Min Balance$10,000
DetailsBalance: $10,000.00 - $49,999.99; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding; Penalty for early withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposit - 60 month
2.62%
2.65%
60 months
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000.00 - $9,999.99; Penalty for early withdrawal applies; APY calculated using monthly compounding
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
6 Month Certificate Of Deposits and Fixed Rate IRA CDs
2.52%
2.55%
6 months
Min Balance$1,000
DetailsBalance: $1,000 to $9,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.55% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposit - 24 month
2.52%
2.55%
24 months
Min Balance$1,000
DetailsBalance: $1,000 to $9,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.55% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
48 month Certificate of Deposit
2.23%
2.25%
48 months
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000.00 - $9,999.99; APY calculated using monthly compounding; Penalty for early withdrawal applies
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
36 Month CD
1.83%
1.85%
36 Months
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000.00 to $9,999.99; Penalty for early withdrawal applies; APY calculated using monthly compounding
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 1.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate of Deposit - 36 month
1.83%
1.85%
36 months
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000.00 - $9,999.99; Minimum deposit on all CDs is $1,000.00 unless otherwise stated; APY calculated using monthly compounding; Penalty for early withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 1.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Citizens State Bank of Loyal Savings Rates
Product
Rate
APY
View More
Christmas Savings
0.25%
0.25%
Min Deposit$10
DetailsCompounding: Interest at maturity - no compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
CSB Savings
0.10%
0.10%
Min Deposit$100
DetailsCompounding: Quarterly Compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Health Savings Account
0.10%
0.10%
Min Deposit$100
DetailsCompounding: Quarterly Compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Citizens State Bank of Loyal Money Market Rates
Product
Rate
APY
View More
CSB Money Market
1.70%
1.71%
Min Deposit$1,000
Min Balance$250,000
DetailsBalance: $250,000 and over; Monthly compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.71% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
CSB Money Market
1.30%
1.31%
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000 to $249,999.99; Monthly compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
CSB Money Market
0.90%
0.90%
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99; Monthly compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
CSB Money Market
0.70%
0.70%
Min Deposit$1,000
Min Balance$25,000
DetailsBalance: $25,000 to $49,999.99; Monthly compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
CSB Money Market
0.05%
0.05%
Min Deposit$1,000
Min Balance$0
DetailsBalance: $0 to $9,999.99; Monthly compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
CSB Money Market
0.05%
0.05%
Min Deposit$1,000
Min Balance$10,000
DetailsBalance: $10,000 to $24,999.99; Monthly compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Citizens State Bank of Loyal Checking Rates
Product
Rate
APY
View More
Loyal Rewards Checking
0.75%
0.75%
Min Deposit$0
Min Balance$0
DetailsQualifications Required; Qualifying balance up to $20,000; 0.75% APY on balances up to $20,000; 0.15% APY on balances over $20,000 when qualifications are met; 0.05% APY if qualifications are not met; No minimum to open account; No minimum balance required; No monthly service charge; Available to personal accounts only; ATM fee refunds nationwide when qualifications are met
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Citizens State Bank of Loyal Other Rates
Product
Rate
Points
APY/APR
Term
View More
Certificate Of Deposits and Fixed Rate IRA CDs - 6 Months
2.52%
-
2.55%
6 months
Min Balance$1,000
DetailsBalance: $1,000 to $9,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.55% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs - 6 Months
3.49%
-
3.55%
6 months
Min Balance$10,000
DetailsBalance: $10,000 to $49,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs - 6 Months
3.54%
-
3.60%
6 months
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Certificate Of Deposits and Fixed Rate IRA CDs - 6 Months
3.59%
-
3.65%
6 months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
IRA, SEP, ROTH IRA's and Coverdell Education Savings Account
1.25%
-
1.26%
Min Deposit$200
Min Balance$0
DetailsBalance: $0 to $9,999.99; Interest compounded quarterly
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
IRA, SEP, ROTH IRA's and Coverdell Education Savings Account
1.30%
-
1.31%
Min Deposit$200
Min Balance$10,000
DetailsBalance: $10,000 to $24,999.99; Interest compounded quarterly
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
IRA, SEP, ROTH IRA's and Coverdell Education Savings Account
1.40%
-
1.41%
Min Deposit$200
Min Balance$25,000
DetailsBalance: $25,000 to $49,999.99; Interest compounded quarterly
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.41% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
IRA, SEP, ROTH IRA's and Coverdell Education Savings Account
1.65%
-
1.66%
Min Deposit$200
Min Balance$50,000
DetailsBalance: $50,000 and over; Interest compounded quarterly
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.66% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
NOW Accounts
0.05%
-
0.05%
Min Deposit$100
Min Balance$1,000
DetailsBalance: $1,000 to $9,999.99; Monthly compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
NOW Accounts
0.05%
-
0.05%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000 to $24,999.99; Monthly compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
NOW Accounts
0.05%
-
0.05%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000 to $49,999.99; Monthly compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
NOW Accounts
0.05%
-
0.05%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000 and over; Monthly compounding
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.01%
Financial Health History
Citizens State Bank of Loyal’s Texas Ratio stayed near 0.36% in Q3 2023 to 0.01% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$312M
0.01%
5.0
A+
March 31, 2026
$307M
0.12%
5.0
A+
December 31, 2025
$309M
0.12%
5.0
A+
September 30, 2025
$304M
0.14%
5.0
A+
June 30, 2025
$317M
0.59%
5.0
A+
March 31, 2025
$304M
0.08%
5.0
A+
December 31, 2024
$303M
0.00%
5.0
A+
September 30, 2024
$306M
0.01%
5.0
A+
June 30, 2024
$287M
0.00%
5.0
A+
March 31, 2024
$283M
0.00%
5.0
A+
December 31, 2023
$287M
0.48%
5.0
A+
September 30, 2023
$274M
0.36%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Citizens State Bank of Loyal is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Citizens State Bank of Loyal rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Citizens State Bank of Loyal's official website for the most current offers and terms.
Citizens State Bank of Loyal earned the Top 100 Healthiest badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
<a href="https://www.monitorbankrates.com/banks/citizens-state-bank-of-loyal-rates-review-6186">
<img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
alt="Ranked #4 in MonitorBankRates Top 100 Healthiest Small Banks Q2 2026"
width="160" height="160">
</a>
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Frequently Asked Questions About Citizens State Bank of Loyal
How many branches does Citizens State Bank of Loyal operate?
Citizens State Bank of Loyal currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Citizens State Bank of Loyal does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Citizens State Bank of Loyal provides members with tools to manage their accounts and build a solid financial history.
Does Citizens State Bank of Loyal offer online and mobile banking?
Most modern institutions like Citizens State Bank of Loyal provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.csbloyal.com.
Current Citizens State Bank of Loyal Rates
12-Month CD2.90%
18-Month CD3.05%
24-Month CD2.55%
36-Month CD1.85%
48-Month CD2.25%
60-Month CD2.65%
Savings0.25%
MMA1.71%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
