|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Citizens Federal S&L Assoc Rates & Review September 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: September 19, 2026
Citizens Federal S&L Assoc's 11-Month Certificate rates are at 3.80%, 16-Month Certificate rates are at 3.80%, 91 DAYS 91 Day Certificate rates are at 3.80%, IRA- 30-Month rates are at 3.30%, 13-Month Certificate rates are at 3.20%. Citizens Federal S&L Assoc's savings rates are at 3.00%. Citizens Federal S&L Assoc's Mortgage Rates - 10 Year Fixed rates are at 6.00%, Mortgage Rates - 15 Year Fixed rates are at 6.12%, Mortgage Rates - 20 Year Fixed rates are at 6.25%, Mortgage Rates - 30 Year Fixed rates are at 6.50%, First Mortgage Loans - 10 Year Fixed rates are at 7.12%. 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 09/19/2026. 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. 
Citizens Federal S&L Assoc CD Rates
Citizens Federal S&L Assoc Savings 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
Powered by
MonitorBankRates
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
Institution Name
Citizens Federal S&L Assoc
FDIC Certificate #
27841
Address
433 Madison Ave,
Covington, KY 41011 · Kenton
Established
18860101
FDIC Insurance Date
19890809
Domestic Offices
1
Total Branches
1
Regulator
OCC
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)
0.2433%
Return on Equity (ROE)
0.8800%
Non-Performing Loans (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 06/30/2026
Customer Reviews
There are no reviews for Citizens Federal S&L Assoc yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Citizens Federal S&L Assoc
Frequently Asked Questions About Citizens Federal S&L AssocHow 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/. Current Citizens Federal S&L Assoc Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
F&M Bank Baldwyn, MS
Citizens Bank of the Midwest
State Bank & Trust Company
JD Bank
BTC Bank
Heritage Bank of Schaumburg
The Apple Creek Banking Company
River Falls State Bank
National Bank of Blacksburg
Philo Exchange Bank
The Stock Exchange Bank
Blue Foundry Bank
Moody National Bank
Millennium Bank Des Plaines, IL
Fortress Bank
Community First Bank, N.A.
Sawyer Savings Bank
Blue Ridge Bank and Trust Co.
Cedar Security Bank
The Merchants & Planters Bank
Union Savings Bank (CT)
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
