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Advertiser Disclosure
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 Citizens Federal S&L Assoc Rates & Review November 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.
Read Full Bio →
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: November 6, 2026
Citizens Federal S&L Assoc's 16-Month CD rates are at 4.25%, 11-Month CD rates are at 3.80%, 13-Month CD rates are at 3.20%, 59-Month CD rates are at 3.15%, 12-Month CD rates are at 3.10%. Citizens Federal S&L Assoc's savings rates are at 3.00%. Citizens Federal S&L Assoc's checking rates are as high as 0.25%. Citizens Federal S&L Assoc's Owner-Occupied Property - 10 Year Fixed rates are at 6.50%, Owner-Occupied Property - 15 Year Fixed rates are at 6.625%, Owner-Occupied Property - 20 Year Fixed rates are at 6.75%, Owner-Occupied Property - 30 Year Fixed rates are at 7.00%, Investment Property First Mortgage - 10 Year Fixed rates are at 7.625%. Citizens Federal S&L Assoc's top CD rate of 4.25% APY on a 16 month CD is 43% higher than the MonitorBankRates national average of 2.97% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Citizens Federal S&L Assoc with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 11/06/2026. Citizens Federal S&L Assoc 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 S&L Assoc? Share your experience about Citizens Federal S&L Assoc by leaving a review below, or read customer reviews before you decide to use Citizens Federal S&L Assoc. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Citizens Federal S&L Assoc CD Rates
Citizens Federal S&L Assoc Savings Rates
Citizens Federal S&L Assoc Checking Rates
Citizens Federal S&L Assoc Mortgage Rates
Citizens Federal S&L Assoc Other Rates
Financial Health HistoryCitizens Federal S&L Assoc’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Citizens Federal S&L Assoc 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 Federal S&L Assoc 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 Federal S&L Assoc's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Citizens Federal S&L Assoc
Address
433 Madison Ave,
Covington, KY 41011 · Kenton
FDIC Certificate #
27841
Regulator
OCC
Established
January 1, 1886
FDIC Insurance Date
August 9, 1989
Domestic Offices
1
Total Branches
1
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.00%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.2433%
Return on Equity (ROE)
0.8800%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
$41,864,000
Total Deposits
$28,056,000
Equity Capital
$11,317,000
Net Income
$50,000
Headquarters
Covington
Total Branches and Offices
1
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Frequently Asked Questions About Citizens Federal S&L AssocDoes Citizens Federal S&L Assoc offer CDs?Yes. Citizens Federal S&L Assoc current CD rates include its 16-Month CD at 4.25% APY, its 11-Month CD at 3.80% APY and its 13-Month CD at 3.20% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from Citizens Federal S&L Assoc FDIC insured?Yes. Citizens Federal S&L Assoc is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Citizens Federal S&L Assoc?The highest Citizens Federal S&L Assoc CD rate is its 16-Month Certificate of Deposit at 4.25% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does Citizens Federal S&L Assoc offer?Citizens Federal S&L Assoc CD rates are 3.80% APY for an 11 month CD, 3.10% APY for a 12 month CD, 3.20% APY for a 13 month CD, 4.25% APY for a 16 month CD, 2.85% APY for an 18 month CD, 0.80% APY for a 2 year CD, 2.55% APY for a 3 year CD, 2.95% APY for a 4 year CD, 3.15% APY for a 59 month CD and 0.90% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Citizens Federal S&L Assoc for its full lineup. What is the highest savings rate at Citizens Federal S&L Assoc?The highest Citizens Federal S&L Assoc savings rate is its High Yield Savings at 3.00% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at Citizens Federal S&L Assoc?The highest Citizens Federal S&L Assoc checking rate is its Choice Checking at 0.25% APY, verified by MonitorBankRates as of November 6, 2026. What is the lowest 30 year fixed mortgage rate at Citizens Federal S&L Assoc?The lowest Citizens Federal S&L Assoc 30 year fixed mortgage rate is its Owner-Occupied Property - 30 Year Fixed at 7.00%, verified by MonitorBankRates as of November 6, 2026. Citizens Federal S&L Assoc mortgage rates are 7.00% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.625% for a 15 year mortgage and 6.50% for a 10 year mortgage. How many branches does Citizens Federal S&L Assoc operate?Citizens Federal S&L Assoc currently maintains approximately 1 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 Federal S&L Assoc 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 Federal S&L Assoc provides members with tools to manage their accounts and build a solid financial history. Does Citizens Federal S&L Assoc offer online and mobile banking?Most modern institutions like Citizens Federal S&L Assoc 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.citizens-federal.com/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Citizens Federal S&L Assoc rates compare?Citizens Federal S&L Assoc's top CD rate of 4.25% APY on a 16 month CD is 43% higher than the MonitorBankRates national average of 2.97% APY for that term, and it has an A+ health rating. Citizens Federal S&L Assoc's top rates are its 16-Months 16-Month Certificate of Deposit at 4.25% APY, its High Yield Savings at 3.00% APY, its Choice Checking at 0.25% APY and its Owner-Occupied Property - 10 Year Fixed at 6.50%, verified by MonitorBankRates on November 6, 2026. Current Citizens Federal S&L Assoc Rates
Retrieved from our database of financial products. Rates subject to change.
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