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Citizens Bank & Trust Company NE Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Citizens Bank & Trust Company NE's 5-Month Certificate of Deposit rates are at 3.81%, 24-Month Certificate of Deposit rates are at 2.57%, 18-Month Certificate of Deposit rates are at 2.52%, 12-Month Certificate of Deposit rates are at 2.37%, 36-Month Certificate of Deposit rates are at 2.27%. Citizens Bank & Trust Company NE's savings rates are at 0.15%. MonitorBankRates evaluates the financial stability of Citizens Bank & Trust Company NE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.86%. Rates last updated and verified on 08/28/2026.

Citizens Bank & Trust Company NE 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 Company NE? Share your experience about Citizens Bank & Trust Company NE by leaving a review below, or read customer reviews before you decide to use Citizens Bank & Trust Company NE.

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.86%
Excellent Lower than avg
Citizens Bank & Trust Company
721 7th St
Saint Paul, NE 68873
https://www.bankwithcitizens.com
Member FDIC

Citizens Bank & Trust Company NE CD Rates

Product Rate APY Term View More
5 Month Certificate of Deposit 3.75% 3.81% 5 Month
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
24 Month Certificate of Deposit 2.55% 2.57% 24 Month
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
18 Month Certificate of Deposit 2.50% 2.52% 18 Month
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
12 Month Certificate of Deposit 2.35% 2.37% 12 Month
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
36 Month Certificate of Deposit 2.25% 2.27% 36 Month
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
48 Month Certificate of Deposit 2.25% 2.27% 48 Month
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
60 Month Certificate of Deposit 2.25% 2.27% 60 Month
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
182 Day Certificate of Deposit 2.00% 2.02% 182 Day
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
91 Day Certificate of Deposit 1.95% 1.96% 91 Day
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
18 Month IRA Certificate of Deposit 1.80% 1.81% 18 Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%

Citizens Bank & Trust Company NE Savings Rates

Product Rate APY View More
Lil Savers Account 1.00% 1.00%
Min Deposit $1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
Christmas Club Account 0.15% 0.15%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
Citizens Savings Account 0.15% 0.15%
Min Deposit $50
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
Health Savings Account 0.15% 0.15%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%

Citizens Bank & Trust Company NE Checking Rates

Product Rate APY View More
Citizens Business Interest Checking Daily balances of and up 1.50% 1.51%
Details $1,000.00; Daily balances of $1,000.00 and up
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
Citizens Investment Checking 1.50% 1.51%
Details Daily balances of $1,000.00 and up
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
Citizens Classic Club Checking 0.25% 0.25%
Min Deposit $50
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
Citizens Business Interest Checking Daily balances of 0.15% 0.15%
Details up to $999.99; Daily balances of up to $999.99
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
Citizens Direct Checking 0.15% 0.15%
Min Deposit $50
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
Citizens Investment Checking 0.15% 0.15%
Details Daily balances of up to $999.99
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.86%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Bank & Trust Company NE 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 Company NE 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 Company NE's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Bank & Trust Company NE
Bank Holding Company HOWARD COUNTY LAND&CATTLE CO
Address 721 7th St, Saint Paul, NE 68873  ·  Howard
Website https://www.bankwithcitizens.com
FDIC Certificate # 5469
Established 01/01/1888
FDIC Insurance Date 01/01/1934
Domestic Offices 3
Total Branches 3
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
2.86%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.3678%
Return on Equity (ROE) 4.4600%
Non-Performing Loans (NPL) 0.21%
Total Assets $251,714,000
Total Deposits $194,541,000
Equity Capital $23,100,000
Net Income $1,976,000
Headquarters Saint Paul
Total Branches and Offices 3
Source: FDIC  |  Last Updated 12/31/2025
MonitorBankRates Verified Strong Badge 2026
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Customer Reviews

There are no reviews for Citizens Bank & Trust Company NE yet. Feel free to create one below.
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Frequently Asked Questions About Citizens Bank & Trust Company NE

How many branches does Citizens Bank & Trust Company NE operate?

Citizens Bank & Trust Company NE 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 Company NE 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 Company NE provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Bank & Trust Company NE offer online and mobile banking?

Most modern institutions like Citizens Bank & Trust Company NE 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.bankwithcitizens.com.

Current Citizens Bank & Trust Company NE Rates

  • 12-Month CD2.37%
  • 18-Month CD1.81%
  • 24-Month CD2.57%
  • 36-Month CD2.27%
  • 48-Month CD2.27%
  • 60-Month CD2.27%
  • Savings0.15%
Retrieved from our database of financial products. Rates subject to change.

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