FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Citizens Savings Bank and Trust Company
Credit Cards

Better Cards.
For better lifestyles.

Apply for the right card and see what a difference we can make.
Rewards Platinum Visa®

Earn Unlimited Reward Points

Earn one point per dollar on all net purchases. Choose from hundreds of merchandise, travel and activity options.

Purchase Rate

0% Intro APR for 12 months on purchases and balance transfers. After that, a 17.74% to 27.74% variable APR will apply.

Annual Fee

$0 annual fee.
Cash Rewards Platinum Visa®

Earn Unlimited 1% Cash Back

Earn 1% cash back on all net purchases, every day.

Purchase Rate

0% Intro APR for 12 months on purchases and balance transfers. After that, a variable 18.74% to 27.99% APR will apply.

Annual Fee

$0 annual fee.
Platinum Edition Visa®

Low Rate

If you're looking for a no frills card with a low rate, this one is for you.

Purchase Rate

0% Intro APR for 12 months on purchases and balance transfers. After that, a 15.74% to 25.74% variable APR will apply.

Annual Fee

$0 annual fee.
Secured Platinum Visa®

Build or Re-Build Your Credit

The card that helps you build or re-build your credit.

Purchase Rate

25.74% variable APR for purchases and balance transfers.

Annual Fee

$29 annual fee.
Visa® Signature

Bonus Rewards and Travel Perks

Earn 30,000 Bonus Points when you spend $2,500 in the first 3 months. Earn 1.5 points per dollar on all your net purchases.

Purchase Rate

0% Intro APR for 12 months on purchases and balance transfers. After that, a variable 17.49% to 23.49% APR will apply.

Annual Fee

$0 annual fee.
Excursion™ Visa Signature®

Bonus Rewards and Cash Back

Earn 2% cash back on air travel, hotels, dining at restaurants, including takeout and delivery services, and more. Earn unlimited 1% cash back on all other purchases. Plus, earn $50 cash back5 when you spend $500 in the first 60 days.

Purchase Rate

0% Intro APR for the first 12 billing cycles on purchases and balance transfers. After that, a variable APR 18.99% to 25.99% will apply.

Annual Fee

$0 Intro fee for the first year, after that, $20, waived based on spend.