Citizens Federal S&LA CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
Today's 12-month CD rates can be found at 0.20%, 6-month CD rates at 3.50% and 3-month CD rates at 3.50%. Current savings rates are at 0.20% and money market rates are at 0.35%. Mortgage rates today on 30-year fixed loans are around 6.39%. Credit Card rates are at 13.74%. Personal Loan rates are at 12.74%. All these rates, and more, can be found in our database of rates. Citizens Federal S&LA's 12-Month CD rates are at 3.46%, 48-Month CD rates are at 3.41%, 18-Month CD rates are at 3.41%, 60-Month CD rates are at 3.39%, 30-Month CD rates are at 3.37%. Citizens Federal S&LA's savings rates are at 0.07%. Citizens Federal S&LA's money market rates are at 0.90%.
To see how these rates compare to Citizens Federal S&LA CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Citizens Federal S&LA, 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 S&LA CD rates. You can also compare Citizens Federal S&LA savings rates, MMA rates and mortgage rates using our other rate lists. Citizens Federal S&LA 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&LA? Share your experience about Citizens Federal S&LA by leaving a review below, or read customer reviews before you decide to use Citizens Federal S&LA. Citizens Federal S&LA Texas Ratio Citizens Federal S&LA's Texas Ratio is at 0.38%, which is considered excellent. The Texas Ratio for Citizens Federal S&LA is lower than the national average of all banks, currently at 6.13%. 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 S&LA is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars. Citizens Federal S&LA CD Rates and Interest Rates
Citizens Federal S&LA
12-Month CD
3.46%
$500
Citizens Federal S&LA
18-Month CD
3.41%
$500
Citizens Federal S&LA
48-Month CD
3.41%
$500
Citizens Federal S&LA
60-Month CD
3.39%
$500
Citizens Federal S&LA
30-Month CD
3.37%
$500
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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 S&LA Rates with Other Competitive Bank and Credit Union Rates
Northeast Bank Portland, ME
6-Month CD
4.25%
$5,000
Legacy Bank Colwich, KS
12-Month CD
4.11%
$1,000
Adams County Bank
6-Month CD
4.06%
$500
Security Bank Tulsa, OK
36-Month CD
4.06%
$2,000
Alpena-Alcona Area Credit Union
18-Month CD
3.80%
$500
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 November 15, 2025Show 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 S&LA InformationCitizens Federal S&LA
100 N. Main StBellefontaine, OH 43311 Logan Established Date: 01/01/1885 FDIC Certificate #: 28060 Date of FDIC Deposit Insurance: 08/09/1989 How Many Domestic U.S. Offices? 1 How Many Branches are There? 1 Website: https://www.citizensfederalsl.com/
Is Citizens Federal S&LA FDIC Insured? Yes
What is Citizens Federal S&LA's Cert number? 28060
What is the maximum amount for insured deposits? $250,000 per holder, per account
Citizens Federal S&LA FinancialsTotal Assets:
$180,117,000
Total Deposits:
$162,054,000
Equity Capital:
$17,656,000
Domestic Deposits:
$162,054,000
Net Income:
$-60,000
Return on Assets:
-0.0151%
Quarterly Return on Assets:
-0.1300%
Pretax Return on Assets:
-0.2267%
Pretax Quarterly Return on Assets:
-0.2300%
Return on Equity:
-0.1500%
Quarterly Return on Equity:
-1.3500%
Common Equity Tier 1 Capital Ratio:
21.0976%
Tier 1 Risk-Based Capital Ratio:
21.0976%
Leverage Tier 1 (Core Capital) Ratio:
10.8937%
Total Risk-Based Capital Ratio (YTD):
21.4265%
Total Interest Income (YTD):
3.5347%
Headquarters:
Bellefontaine
FDIC Field Office:
Columbus
Regulator:
OCC
County:
Logan
# of Offices:
1
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024
Explore Other Rate Deals Current mortgage rates are lower as 10-year U.S. Treasury yields slip below 3.40 percent. Both conforming mortgage rates and jumbo mortgage rates are lower. Current 30-year mortgage rates are at 5.11 percent, down from 5.23 percent set earlier this week. 15-year mortgage rates are down to 4.57 percent, down from 4.75 percent on Monday.
 Mortgage rates moved lower today as bond yields retreated after the sharp run-up of the past couple of weeks. Current mortgage rates on 30 year mortgage loans are averaging 4.15%, down from yesterday's average 3o year mortgage rate of 4.19%. Several weeks ago 30 year mortgage rates hit an all-time low of 3.94%. We might see rates head back down to that level if the Fed is successful at driving down long term interest rates. Another factor that will help keep mortgage rates low is the inflation rate. PPI for September outside of food and energy was only 0.2%. Today's mortgage rates on 15 year mortgages are also lower averaging 3.45%, down from yesterday's average 15 year mortgage rate of 3.49%.
Home Savings Bank 1 Year Jumbo CD rates are now at 0.90 percent with a yield of 0.90 percent. View current 1 Year Jumbo CD rates at Home Savings Bank below.
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