At Community State Bank, we offer competitive interest rates on a variety of accounts and loans to help you achieve your financial goals. Below, you’ll find our current rates for savings accounts, checking accounts, certificates of deposit (CDs), and loans.
Purchase
as low as
6.564%
APR*
Home Equity
as low as
7.565%
APR*
Vehicle
as low as
5.990%
APR*
CD Rates
as high as
3.80%
APY*
If you don’t see something you were looking for or if you would like to discuss your options, please contact our team of lenders.
Certificate of Deposit (CD) Rates
Below, you'll find the latest rates for our CD offerings, including some of our current specials, designed to help you grow your savings with guaranteed returns. All rates are presented as Annual Percentage Yields (APY). We hope this information helps you make informed decisions on your savings journey.
The rates above are as of April 8, 2025. CSB reserves the right to change these rates at any time without prior notice due to changes in the market. The APY calculations include the interest rate plus other earnings and are based on the assumption that interest will remain on deposit until maturity. Terms and conditions may apply. Not everyone who applies for a CD with CSB will qualify. Eligible applicants must meet standard account opening requirements. For more information, please contact our customer service team at questions@csbemail.com. Community State Bank. Member FDIC.
1st Mortgage Purchase Loans
Below, you'll find rates for first mortgage purchases. All rates are presented as Annual Percentage Rates (APR). Our rates are as low as the ones listed below, and there are other options available to suit your needs. We hope this information helps you make informed decisions on your home financing journey.
For more information and to get a personalized quote tailored to your specific situation, reach out to our team of expert lenders. We're here to help you every step of the way!
The rates above are as of March 27, 2025. CSB reserves the right to change these rates at any time without prior notice due to changes in the mortgage market. Rates may be impacted by credit and property approval based on secondary market lending guidelines. The APR calculations include the interest rate plus other charges and fees and are calculated for the purchase of a primary residence, based on a loan amount of $200,000 with a Loan to Value (LTV) of 70% and a credit score of 760. Terms and conditions may apply. Not everyone who applies for a loan with CSB will qualify. Eligible applicants must meet standard credit and underwriting requirements. For more information, please contact our mortgage origination team at application@csbemail.com. Community State Bank NMLS # 491615 Equal Housing Lender.
1st Mortgage Refinance Loans
Below, you'll find rates for first mortgages, both for purchase and refinance. All rates are presented as Annual Percentage Rates (APR). Our rates are as low as the ones listed below, and there are other options available to suit your needs. We hope this information helps you make informed decisions on your home financing journey.
For more information and to get a personalized quote tailored to your specific situation, reach out to our team of expert lenders. We're here to help you every step of the way!
The rates above are as of March 27, 2025. CSB reserves the right to change these rates at any time without prior notice due to changes in the mortgage market. Rates may be impacted by credit and property approval based on secondary market lending guidelines. The APR calculations include the interest rate plus other charges and fees and are calculated for the cash-out refinance of a primary residence, based on a loan amount of $200,000 with a Loan to Value (LTV) of 70% and a credit score of 760. Terms and conditions may apply. Not everyone who applies for a loan with CSB will qualify. Eligible applicants must meet standard credit and underwriting requirements. For more information, please contact our mortgage origination team at application@csbemail.com. Community State Bank NMLS # 491615 Equal Housing Lender.
Home Equity Loans
Below, you'll find rates for home equity loans, designed to help you tap into the value of your home. All rates are presented as Annual Percentage Rates (APR). Our rates are as low as the ones listed below, and there are other options available to suit your needs. We hope this information helps you make informed decisions on leveraging your home's equity.
For more information and to get a personalized quote tailored to your specific situation, reach out to our team of expert lenders. We're here to help you every step of the way!
The rates above are as of March 27, 2025. CSB reserves the right to change these rates at any time without prior notice due to changes in the market. Rates may be impacted by credit and property. The APR calculations include the interest rate plus other charges and fees and are calculated for a primary residence based on a loan amount of $40,000 with a Loan to Value (LTV) of 80% and a 760 credit score. All rates and APRs shown reflect a 0.25% rate decrease for setting up an automatic payment at the time of the loan funding from a CSB account. Home Equity Lines of Credit are not eligible for rate decrease.¹ Terms and conditions may apply. Not everyone who applies for a loan with CSB will qualify. Eligible applicants must meet standard credit and underwriting requirements. For more information, please contact our mortgage origination team at application@csbemail.com. Community State Bank NMLS # 491615 Equal Housing Lender.
¹Rate for Home Equity Line of Credit is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 4% nor greater than 25%. Home Equity Lines of Credit require interest only payments. If you only make the required minimum monthly interest payment, this may result in a balloon payment.
Auto Loans
Below, you'll find rates for financing your vehicle, whether it's a car or a motorcycle. All rates are presented as Annual Percentage Rates (APR). Our rates are as low as the ones listed below, and there are other options available to suit your needs. Please note that the rate is determined by the age of the vehicle in addition to other factors. We hope this information helps you make informed decisions on your vehicle financing journey.
For more information and to get a personalized quote tailored to your specific situation, reach out to our team of expert lenders. We're here to help you every step of the way!
The rates above are as of March 27, 2025. CSB reserves the right to change these rates at any time without prior notice due to changes in the market. Rates may be impacted by credit and collateral approval based on lending guidelines. The APR calculations include the interest rate plus other charges and fees and are calculated for a 36 month loan with a loan amount of $30,000 with a Loan to Value (LTV) of 100% and a 760 credit score. All rates and APRs shown reflect a 0.25% rate decrease for setting up an automatic payment at the time of the loan funding from a CSB account. Terms and conditions may apply. Not everyone who applies for a loan with CSB will qualify. Eligible applicants must meet standard credit and underwriting requirements. For more information, please contact our origination team at application@csbemail.com. Community State Bank NMLS # 491615 Equal Housing Lender.
Recreational Vehicle Loans
Below, you'll find rates for financing your next adventure vehicle, whether it's a motor home, an RV, or a boat. All rates are presented as Annual Percentage Rates (APR). Our rates are as low as the ones listed below, and there are other options available to suit your needs. Please note that the rate is determined by the age of the vehicle as well as other factors. We hope this information helps you make informed decisions on your vehicle financing journey.
Other Rates & Terms available on request
For more information and to get a personalized quote tailored to your specific situation, reach out to our team of expert lenders. We're here to help you every step of the way!
The rates above are as of March 27, 2025. CSB reserves the right to change these rates at any time without prior notice due to changes in the market. Rates may be impacted by credit and collateral approval based on lending guidelines. The APR calculations include the interest rate plus other charges and fees and are calculated for a 60 month loan with a loan amount of $40,000 with a Loan to Value (LTV) of 100% and a 760 credit score. All rates and APRs shown reflect a 0.25% rate decrease for setting up an automatic payment at the time of the loan funding from a CSB account. Terms and conditions may apply. Not everyone who applies for a loan with CSB will qualify. Eligible applicants must meet standard credit and underwriting requirements. For more information, please contact our origination team at application@csbemail.com. Community State Bank NMLS # 491615 Equal Housing Lender.
Other Vehicle Collateral Loans
Below, you'll find rates for financing unique vehicle collateral. All rates are presented as Annual Percentage Rates (APR). Our rates are as low as the ones listed below, and there are other options available to suit your needs. We hope this information helps you make informed decisions on your vehicle financing journey.
Other Rates & Terms available on request
For more information and to get a personalized quote tailored to your specific situation, reach out to our team of expert lenders. We're here to help you every step of the way!
The rates above are as of March 27, 2025. CSB reserves the right to change these rates at any time without prior notice due to changes in the market. Rates may be impacted by credit and collateral approval based on lending guidelines. The APR calculations include the interest rate plus other charges and fees and are calculated for a 36 month loan with a loan amount of $20,000 with a Loan to Value (LTV) of 100% and a 760 credit score. All rates and APRs shown reflect a 0.25% rate decrease for setting up an automatic payment at the time of the loan funding from a CSB account. Terms and conditions may apply. Not everyone who applies for a loan with CSB will qualify. Eligible applicants must meet standard credit and underwriting requirements. For more information, please contact our origination team at application@csbemail.com. Community State Bank NMLS # 491615 Equal Housing Lender.
Cash Secured Loans
Below, you'll find rates for a cash secured loan. All rates are presented as Annual Percentage Rates (APR). Please note that the rate is determined by the rate of your Certificate of Deposit (CD) with CSB. We hope this information helps you make informed decisions on your vehicle financing journey.
For more information and to get a personalized quote tailored to your specific situation, reach out to our team of expert lenders. We're here to help you every step of the way!
The rates above are as of March 27, 2025. CSB reserves the right to change these rates or the product at any time without prior notice to changes in the market. Terms and conditions may apply. Applicants must open or have an existing CSB Certificate of Deposit to qualify for this loan type. For more information, please contact our origination team at application@csbemail.com. Community State Bank NMLS # 491615 Equal Housing Lender.
For more information about our current interest rates or to discuss your financial needs, please contact us at 800.488.3958 or Consumer.Lending@csbemail.com. Our team is here to help you find the best solutions for your financial goals.
*APY stands for Annual Percentage Yield and APR stands for Annual Percentage Rate. Rates are subject to change: Please contact us for the most up-to-date rates. Terms and conditions apply: Rates may vary based on creditworthiness, loan amount, and other factors. Not everyone who applies for credit with CSB will qualify.