Citizens First
State Bank

Certificate of Deposits

CD's are a good way to earn higher interest rates. Come see us for details at any of our locations.


Reduce taxes and save for your retirement with one of our Individual Retirement Plans. For more information, please call us at 815-379-2141.

Money Market

Our account is designed for those who want a higher interest rate but who do not need to do a lot of monthly transactions.

  • There is no monthly service charge if maintain a minimum balance of $2,500.
  • Earn interest on your funds each month. The interest rate is variable and is subject to change at any time.
  • There is a limit of six (6) withdrawals or transfers per month. There is a fee of $5 per transaction for each transaction over the allowed amount.
  • Minimum withdrawal amount is $500.
  • If your balance falls below the minimum there is a $15 monthly fee.