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Citizens Federal S&L Assoc

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Citizens Federal S&L Assoc Rates & Review April 2026

Item: Citizens Federal S&L Assoc
Rating: 8294
Author: pXlN

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 16, 2026

Citizens Federal S&L Assoc's 91 Day Certificates rates are at 4.00%. Citizens Federal S&L Assoc's 30 year fixed rate Mortgage Loans rates are at 6.25%. MonitorBankRates evaluates the financial stability of Citizens Federal S&L Assoc with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/16/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Citizens Federal S&L Assoc

433 Madison Ave
Covington, KY 41011

https://www.citizens-federal.com/

Citizens Federal S&L Assoc CD Rates

Product	Rate	APY	Term	View More
91 Day Certificates	-	4.00%	91 Day
Min Balance $5,000 Details Special! Last Updated 04/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Citizens Federal S&L Assoc Mortgage Rates

Product	Rate	Points	APR	Term	View More
30 year fixed rate Mortgage Loans	6.25%	-	6.30%
Details Mortgage Loans for Qualified Borrowers Last Updated 04/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates 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

Website https://www.citizens-federal.com/

Established 01/01/1886

FDIC Insurance Date 08/09/1989

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

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) 0.2684%

Return on Equity (ROE) 0.9700%

Non-Performing Loans (NPL) 0.00%

Total Assets $40,859,000

Total Deposits $26,891,000

Equity Capital $11,306,000

Net Income $43,000

Headquarters Covington

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

pXlN

★★★★★

December 17, 2025

DGsL

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Citizens Federal S&L Assoc

Frequently Asked Questions About Citizens Federal S&L Assoc

Is Citizens Federal S&L Assoc a safe place to deposit money?

Yes, Citizens Federal S&L Assoc 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 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/.