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iAdvertiser Disclosure
Advertiser Disclosure
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 Citizens Bank Sac City, IA Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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: March 29, 2026
You can compare Citizens Bank Sac City, IA rates to other rates in our database, including 12-month CD rates currently at 3.00%, 6-month CD rates at 2.52% and 3-month CD rates at 0.50%. Savings rates are at 0.66% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 6.75%. All these rates can be compared to Citizens Bank Sac City, IA rates. MonitorBankRates evaluates the financial stability of Citizens Bank Sac City, IA with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/29/2026. Citizens Bank Sac City, IA 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 Sac City, IA? Share your experience about Citizens Bank Sac City, IA by leaving a review below, or read customer reviews before you decide to use Citizens Bank Sac City, IA. 
Current Rate AvailabilityWe do not have Citizens Bank Sac City, IA rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Citizens Bank Sac City, IA 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 Sac City, IA 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 Sac City, IA's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Citizens Bank Sac City, IA
Bank Holding Company
CITIZENS HOLDING CO
Address
500 W Main St,
Sac City, IA 50583 · Sac
FDIC Certificate #
8758
Established
02/08/1929
FDIC Insurance Date
01/01/1934
Domestic Offices
2
Total Branches
0
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
-10.0028%
Return on Equity (ROE)
-596.7900%
Non-Performing Loans (NPL)
5.62%
Total Assets
$65,558,000
Total Deposits
$58,930,000
Equity Capital
$-2,943,000
Net Income
$-4,645,000
Headquarters
Sac City
Total Offices
2
Source: FDIC | Last Updated 09/30/2023
Frequently Asked Questions About Citizens Bank Sac City, IAIs Citizens Bank Sac City, IA a safe place to deposit money?Yes, Citizens Bank Sac City, IA is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Citizens Bank Sac City, IA operate?Citizens Bank Sac City, IA currently maintains approximately multiple 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 Sac City, IA 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 Sac City, IA provides members with tools to manage their accounts and build a solid financial history. Does Citizens Bank Sac City, IA offer online and mobile banking?Most modern institutions like Citizens Bank Sac City, IA 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.citizensbanksaccity.com. Compare to Other Banks
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