Citizens Federal Savings and Loan Association CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 3.29%, 6-month CD rates at 0.05% and 3-month CD rates at 5.00%. Current savings rates are at 0.25% and money market rates are at 0.05%. Mortgage rates today on 30-year fixed loans are around 6.34%. Credit Card rates are at 9.90%. Personal Loan rates are at 9.00%. All these rates, and more, can be found in our database of rates. Citizens Federal Savings and Loan Association's 48-Month CD rates are at 3.50%, 12-Month CD rates are at 3.50%, 18-Month CD rates are at 3.40%, 11-Month CD rates are at 3.30%, 36-Month CD rates are at 2.90%. Citizens Federal Savings and Loan Association's savings rates are at 4.00%. Citizens Federal Savings and Loan Association's money market rates are at 0.25%.

Citizens Federal Savings and Loan Association

To see how these rates compare to Citizens Federal Savings and Loan Association CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Citizens Federal Savings and Loan Association, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Citizens Federal Savings and Loan Association CD rates. You can also compare Citizens Federal Savings and Loan Association savings rates, MMA rates and mortgage rates using our other rate lists.

Citizens Federal Savings and Loan Association 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 Federal Savings and Loan Association? Share your experience about Citizens Federal Savings and Loan Association by leaving a review below, or read customer reviews before you decide to use Citizens Federal Savings and Loan Association.

Citizens Federal Savings and Loan Association Texas Ratio

Citizens Federal Savings and Loan Association's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for Citizens Federal Savings and Loan Association is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Citizens Federal Savings and Loan Association is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
3.50%
18-Month CD
3.40%
24-Month CD
1.15%
36-Month CD
2.90%
48-Month CD
3.50%
60-Month CD
1.01%
Savings
4.00%
MMA
0.25%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Citizens Federal Savings and Loan Association
433 Madison Ave
Covington, KY 41011
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Citizens Federal Savings and Loan Association CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association
High Yield Savings
4.00%
$25,000
Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association
12-Month CD
3.50%
$1,000
Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association
48-Month CD
3.50%
$1,000
Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association
18-Month CD
3.40%
$1,000
Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association
11-Month CD
3.30%
$1,000
Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association
36-Month CD
2.90%
$1,000
Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association
24-Month CD
1.15%
$1,000
Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association
60-Month CD
1.01%
$1,000
Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association
Money Market Demand Account
0.25%
$2,500
Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association
Checking Classic Plus
0.25%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Citizens Federal Savings and Loan Association Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Mango Savings, Metropolitan Commercial Bank
Mango Savings, Metropolitan Commercial Bank
Mango Savings
6.00%
$25
Riverside Bank of Dublin
Riverside Bank of Dublin
6-Month CD
5.35%
$500
Goldwater Bank
Goldwater Bank
3-Month CD
5.15%
$500
Westside State Bank
Westside State Bank
6-Month CD
5.06%
$500
Sallie Mae
Sallie Mae
15-Month CD
5.00%
$2,500
Merrick Bank
Merrick Bank
24-Month CD
4.45%
$25,000
Farmers State Bank of Calhan
Farmers State Bank of Calhan
60-Month CD
3.42%
$500
Financial Partners CU
Financial Partners CU
30-Month CD
3.40%
$1,000
Senath State Bank
Senath State Bank
18-Month CD
3.29%
$500
First National Bank in Olney
First National Bank in Olney
24-Month CD
3.04%
$500
Liberty Bank, Inc.
Liberty Bank, Inc.
60-Month CD
3.00%
$1,000
VisionBank Saint Louis Park, MN
VisionBank Saint Louis Park, MN
15-Month CD
3.00%
$1,000
1st Advantage Federal Credit Union
1st Advantage Federal Credit Union
36-Month CD Certificate
2.75%
$500
MidCountry Bank
MidCountry Bank
60-Month CD
2.52%
$10,000
Genoa Community Bank
Genoa Community Bank
24-Month CD
2.35%
$500
Henderson State Bank
Henderson State Bank
12-Month CD
2.30%
$500
HomePride Bank
HomePride Bank
60-Month CD
2.27%
$500
First National Bank Alamogordo, NM
First National Bank Alamogordo, NM
60-Month CD
2.27%
$100
Washita State Bank
Washita State Bank
48-Month CD
2.12%
$1,000
Petefish, Skiles & Co.
36-Month CD
2.01%
$1,000
CNB of McConnelsville
48-Month CD, One-Time Change
2.00%
$5,000
Alliance Bank IN
Alliance Bank IN
36-Month CD
1.96%
$1,000
First Citizens State Bank
First Citizens State Bank
48-Month CD
1.80%
$1,000
State Bank of Industry
State Bank of Industry
24-Month CD
1.76%
$1,000
First Harvest Federal Credit Union
First Harvest Federal Credit Union
12-Month CD (Certificate)
1.75%
$1,000
PennCrest Bank
PennCrest Bank
36-Month CD
1.00%
$100
ValleyDirect
ValleyDirect
Valley All Access Savings
0.85%
$100
Farmers State Bank (Marion, IA)
Farmers State Bank (Marion, IA)
24-Month CD
0.85%
$1,000
Colonial Federal Savings Bank
Colonial Federal Savings Bank
48-Month CD
0.65%
$1,000
Bank of Buffalo
Bank of Buffalo
60-Month CD
0.60%
$500
Hamler State Bank
Hamler State Bank
36-Month CD
0.60%
$500
Bank of Botetourt
Bank of Botetourt
18-Month CD
0.55%
$500
Home Loan SB
Home Loan SB
36-Month CD
0.55%
$500
Ballston Spa National Bank
Ballston Spa National Bank
36-Month CD
0.55%
$500
Wayne Savings Community Bank
Wayne Savings Community Bank
60-Month CD
0.50%
$1,000
Thayer County Bank
Thayer County Bank
Future Savings
0.37%
$2,500
Hometown Bank Oxford, MA
Hometown Bank Oxford, MA
18-Month CD
0.30%
$1,000
GCSB Swayzee, IN
GCSB Swayzee, IN
Savings Account
0.25%
$25
Heritage Bank Minnesota
Heritage Bank Minnesota
12-Month CD
0.25%
$250
Savings Bank of Danbury
Savings Bank of Danbury
12-Month CD
0.25%
$500
Vidalia Federal Savings Bank
Vidalia Federal Savings Bank
Freedom Savings
0.25%
$25
Community State Bank Shelbina, MO
Community State Bank Shelbina, MO
Money Market
0.25%
$2,500
Androscoggin Savings Bank
Androscoggin Savings Bank
Preferred Checking
0.10%
$0
First Bank Elk River
First Bank Elk River
First Dollars Savings aCCOUNT
0.10%
$25
Jonestown Bank and Trust Company
Jonestown Bank and Trust Company
Personal Money Market
0.10%
$2,500
Savings Bank of Walpole
Savings Bank of Walpole
Tiered Savings Accpimt
0.05%
$100
F&M Bank Laotto, IN
F&M Bank Laotto, IN
Simply Savings Account
0.03%
$50
Applied Bank
Applied Bank
Money Market
0.02%
$500
BankNewport
BankNewport
Money Market Savings
0.02%
$2,500
Bank of America
Bank of America
Advantage Savings
0.01%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 14, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.750%
5.834%
0.000
People\'s Alliance Federal Credit Union
People\'s Alliance Federal Credit Union
10 Year Fixed
0.000%
5.875%
1.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.875%
5.913%
0.000
15 Year Fixed
5.625%
5.923%
1.000
15-Year Fixed
5.875%
5.925%
0.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Citizens Federal Savings and Loan Association Information

Citizens Federal Savings and Loan Association
433 Madison Ave
Covington, KY 41011
Kenton
Established Date: 01/01/1886
FDIC Certificate #: 27841
Date of FDIC Deposit Insurance: 01/21/1935
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is Citizens Federal Savings and Loan Association FDIC Insured? Yes
What is Citizens Federal Savings and Loan Association's Cert number? 27841
What is the maximum amount for insured deposits? $250,000 per holder, per account

Citizens Federal Savings and Loan Association Financials

Total Assets:
$39,155,000
Total Deposits:
$24,933,000
Equity Capital:
$10,951,000
Domestic Deposits:
$24,933,000
Net Income:
$2,000
Return on Assets:
0.6103%
Quarterly Return on Assets:
0.0200%
Pretax Return on Assets:
-0.4798%
Pretax Quarterly Return on Assets:
-0.4800%
Return on Equity:
2.2700%
Quarterly Return on Equity:
0.0700%
Common Equity Tier 1 Capital Ratio:
62.5408%
Tier 1 Risk-Based Capital Ratio:
62.5408%
Leverage Tier 1 (Core Capital) Ratio:
28.8703%
Total Risk-Based Capital Ratio (YTD):
63.7922%
Total Interest Income (YTD):
3.4448%
 
 
Headquarters:
Covington
FDIC Field Office:
Lexington
Regulator:
OCC
County:
Kenton
# of Offices:
1
Metropolitan Statistical Area (MSA):
Cincinnati, OH-KY-IN
Consolidated Metropolitan Statistical Area (CMSA):
Cincinnati-Hamilton, OH-KY-IN
OTS Region:
Southeast
FDIC Region:
Chicago
Source: FDIC

Explore Other Rate Deals

After making a series of new record lows the past several weeks average mortgage rates are mixed. Average mortgage rates today on 30 year conforming loans are lower averaging 3.68 percent, down from yesterday's average 30 year mortgage rate of 2.69 percent.
There are now 8 banks on our variable deposit rate list offering rates at or above 1.00 percent. GE Capital Bank and My Savings Direct have the best savings rate at 1.04 percent with an APY of 1.05 percent. The savings rate at GE Capital Bank was recently increased from 1.00 percent.

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