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Citizens Bank & Trust Co. of Jackson

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Citizens Bank & Trust Co. of Jackson Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Bank & Trust Co. of Jackson provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Citizens Bank & Trust Co. of Jackson rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Citizens Bank & Trust Co. of Jackson, and you can see how they compare in the Citizens Bank & Trust Co. of Jackson rate tables below. MonitorBankRates evaluates the financial stability of Citizens Bank & Trust Co. of Jackson with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.28%. Database rates last updated and verified on 08/29/2026.

Citizens Bank & Trust Co. of Jackson money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Bank & Trust Co. of Jackson? Share your experience about Citizens Bank & Trust Co. of Jackson by leaving a review below, or read customer reviews before you decide to use Citizens Bank & Trust Co. of Jackson.

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.28%

Excellent Higher than avg

Citizens Bank & Trust Co. of Jackson

720 Highway 15 S
Jackson, KY 41339

https://www.citizensbankjackson.bank

Current Rate Availability

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Bank & Trust Co. of Jackson is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens Bank & Trust Co. of Jackson rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens Bank & Trust Co. of Jackson's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Bank & Trust Co. of Jackson

Bank Holding Company JOHN R TURNER HOLDING CO

Address 720 Highway 15 S, Jackson, KY 41339 · Breathitt

Website https://www.citizensbankjackson.bank

FDIC Certificate # 18620

Established 11/17/1962

FDIC Insurance Date 11/17/1962

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.28%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5595%

Return on Equity (ROE) 16.6300%

Non-Performing Loans (NPL) 0.53%

Total Assets $213,207,000

Total Deposits $189,193,000

Equity Capital $23,266,000

Net Income $3,700,000

Headquarters Jackson

Total Branches and Offices 3

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Citizens Bank & Trust Co. of Jackson earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Frequently Asked Questions About Citizens Bank & Trust Co. of Jackson

How many branches does Citizens Bank & Trust Co. of Jackson operate?

Citizens Bank & Trust Co. of Jackson currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens Bank & Trust Co. of Jackson does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Bank & Trust Co. of Jackson provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Bank & Trust Co. of Jackson offer online and mobile banking?

Most modern institutions like Citizens Bank & Trust Co. of Jackson provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.citizensbankjackson.bank.