Winter Heat CD Special
Lock in a cool 9-month term with a hot 4.05% APY* to ignite the new year – a limited-time offer with easy, quick online account opening.
A Season Saver for Smarter Growth.
A Season Saver for Smarter Growth.
Turn Up the Heat on Your Savings!
Earn a 4.05% APY on CSB's Winter Heat 9-Month CD with a minimum $25,000 balance —a competitive seasonal rate designed for steady growth in a short-term commitment. It’s the perfect way to ignite your new year savings goals! Open at your local CSB branch or online in just 5 minutes!
Open Online
Plus, Warm Up Your Business Reserves
Plus, Warm Up Your Business Reserves
Give Your Idle Cash a Warm Place to Grow.
Designed to support smarter budgeting and clearer cash flow planning, CSB's Winter Heat Business CD Special is a smart way to make idle funds work harder for your business. With a hot 4.05% APY, get 9 months of predictability and guaranteed returns on balances $25,000 and above. Contact a CSB Banker to open!
Find a BranchAccount Features
- Competitive Seasonal Rate – Earn 4.05% APY.
- Predictable Growth – 9-month term.
- Low Risk – FDIC Insured.
- Limited Time Offer – Expires January 16, 2026.
Savings Made Simple. A Team Always Ready to Help.
Coastal States Banking offers personal savings options with reliable services, supported by a team always available and ready to advise or help when you need it.
Online Banking2
Mobile Banking2
Alerts1
24-Hour Telephone Banking
Other Important Information
*Annual Percentage Yield. Rates accurate as of 12/09/2025. Minimum balance to open and obtain APY is $25,000. New money relationships only. Fees may reduce earnings on the account. Offer expires January 16, 2026.
1Message and data rates may apply. Fees may apply for certain optional services available through Personal Online & Mobile Banking.