FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Current Rates
Rates effective as of December 18th, 2025. Rates are subject to change without notice. Other restrictions may apply.
Certificates of Deposit
Term |
$1,000 Minimum |
$100,000 Minimum |
||
|---|---|---|---|---|
Interest Rate |
APY* |
Interest Rate |
APY* |
|
60 Days |
2.75% |
2.78% |
2.85% |
2.89% |
90 days |
2.80% |
2.84% |
2.90% |
2.94% |
182 Days |
2.85% |
2.89% |
2.95% |
2.99% |
12 Months |
2.90% |
2.94% |
3.00% |
3.04% |
18 Months |
2.90% |
2.94% |
3.00% |
3.04% |
24 Months |
2.95% |
2.99% |
3.05% |
3.09% |
36 Months |
3.05% |
3.09% |
3.15% |
3.20% |
60 Months |
3.15% |
3.20% |
3.25% |
3.30% |
* APY = Annual Percentage Yield Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. |
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Interest-Earning Deposit Accounts
Product |
Minimum |
Minimum Average Daily |
Interest |
APY* |
|---|---|---|---|---|
Rewards Checking 2 |
$100 |
≤ $25,000.00 |
2.75% |
2.78% |
|
$100 |
≥ $25,000.01 |
1.00% |
1.01% |
|
$100 |
Non-Qualifying Balance |
0.05% |
0.05% |
NOW Checking Account |
$500 |
Avg Balance ≥ $500.00 |
0.25% |
0.25% |
*APY = Annual Percentage Yield 2 Rewards Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after the initial $100 deposit. It earns interest monthly and up to ten (10) foreign ATM surcharge fees per monthly qualification cycle are refunded to the account. To receive rewards from the Rewards checking account, participants must: a) enroll in eStatements; b) have 1 direct deposit or 1 ACH per monthly qualification cycle; and c) have 10 debit card transactions posted to your Rewards checking account per qualification cycle. Click here for Rewards Checking Qualification Calendar. If qualifications are not met, the account will still earn interest at a base rate of 0.05%. However, foreign ATM fees will not be refunded for that time period. Coleman County State Bank reserves the right to modify or discontinue this program at any time. Other restrictions may apply. |
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Savings Accounts
Product |
Minimum |
Minimum Average Daily |
Interest |
APY* |
|---|---|---|---|---|
Regular Savings |
$100 |
$0.01 and up |
0.25% |
0.25% |
Platinum Savings |
$10,000 |
$10,000 - $25,000 |
0.50% |
0.50% |
$10,000 |
$25,000.01 - $75,000 |
0.55% |
0.55% |
|
$10,000 |
$75,000.01 and up |
2.00% |
2.02% |
|
Money Market Savings |
$1,000 |
≤ $25,000 |
0.50% |
0.50% |
|
$1,000 |
$25,000.01 - $75,000 |
0.55% |
0.55% |
|
$1,000 |
$75,000.01 - $100,000 |
1.25% |
1.25% |
|
$1,000 |
≥ $100,000.01 |
2.00% |
2.02% |
IRA Savings |
$100 |
$100 |
3.00% |
3.04% |
*APY = Annual Percentage Yield |
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