What are the current interest rates at Citizens Federal S&LA?

Current rates for Citizens Federal S&LA include: 12-Month CD: 3.00%, 18-Month CD: 3.30%, 24-Month CD: 3.00%, 48-Month CD: 3.40%, 60-Month CD: 3.30%, Savings: 0.45%, MMA: 3.40%

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Citizens Federal S&LA Rates & Review October 2026

Q: How many branches does Citizens Federal S&LA operate?

Citizens Federal S&LA currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Citizens Federal S&LA 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Federal S&LA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Citizens Federal S&LA's top rates as of October 11, 2026 are 4.10% APY on its 24-Month CD, 0.45% APY on savings, 3.40% APY on money market accounts, and 0.05% APY on checking, according to rates verified by MonitorBankRates. Other Citizens Federal S&LA CD rates include 6-Month CD at 3.45%, 48-Month CD at 3.40%, and 12-Month CD at 3.35%. MonitorBankRates evaluates the financial stability of Citizens Federal S&LA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.25%. Rates last updated and verified on 10/11/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.25%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Citizens Federal S&LA

100 N. Main St
Bellefontaine, OH 43311

https://www.citizensfederalsl.com/

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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&LA CD Rates

Product	Rate	APY	Term
24 Month CD	4.02%	4.10%	24 Month
Min Deposit $500 Last Updated 10/11/2026 Rate History 1 change since Sep 7, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30% Sep 24, 20264.10%▲ from 3.30% Sep 7, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
6 Month CD	3.39%	3.45%	6 Month
Min Deposit $500 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
48 Month CD	3.34%	3.40%	48 Month
Min Deposit $500 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
12 Month CD	3.30%	3.35%	12 Month
Min Deposit $500 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
30 Month CD	3.30%	3.35%	30 Month
Min Deposit $500 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
9 Month CD	3.30%	3.35%	9 Month
Min Deposit $500 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
90 Day CD	3.30%	3.35%	90 Day
Min Deposit $500 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
18 Month CD	3.25%	3.30%	18 Month
Min Deposit $500 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
60 Month CD	3.25%	3.30%	60 Month
Min Deposit $500 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
38-50 Month Principal Plus CD	3.15%	3.20%	38-50 months
Min Deposit $500 Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
12-Month Roth IRA	2.96%	3.00%	12-Month
Min Deposit $100 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
12-Month Traditional IRA	2.96%	3.00%	12-Month
Min Deposit $100 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
24-Month Roth IRA	2.96%	3.00%	24-Month
Min Deposit $100 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
24-Month Traditional IRA	2.96%	3.00%	24-Month
Min Deposit $100 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

Citizens Federal S&LA Savings Rates

Product	Rate	APY
Christmas Club	0.50%	0.50%
Min Deposit $20 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Health Savings	0.45%	0.45%
Min Balance $2,001 Details Balance: $2,001.00 - $10,000.00 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Health Savings	0.25%	0.25%
Min Balance $20 Details Balance: $20.00 - $2,000.00 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Savings	0.07%	0.07%
Min Deposit $20 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

Citizens Federal S&LA Money Market Rates

Product	Rate	APY
Money Market	3.34%	3.40%
Min Balance $250,000 Details Balance: $250,000 & above Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Money Market	2.81%	2.85%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Money Market	0.65%	0.65%
Min Balance $2,500 Details Balance: $2,500.00 - $99,999.99 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

Citizens Federal S&LA Checking Rates

Product	Rate	APY	View More
NOW Checking	0.05%	0.05%
Min Deposit $20 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

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.

Financial Health History

Citizens Federal S&LA’s Texas Ratio stayed near 0.37% in Q3 2023 to 0.25% 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$186M	0.25%	5.0	A+
March 31, 2026	$187M	0.61%	5.0	A+
December 31, 2025	$185M	0.57%	5.0	A+
September 30, 2025	$180M	0.40%	5.0	A+
June 30, 2025	$182M	1.04%	5.0	A+
March 31, 2025	$184M	0.39%	5.0	A+
December 31, 2024	$185M	0.39%	5.0	A+
September 30, 2024	$184M	0.48%	5.0	A+
June 30, 2024	$180M	0.89%	5.0	A+
March 31, 2024	$180M	0.33%	5.0	A+
December 31, 2023	$176M	0.45%	5.0	A+
September 30, 2023	$176M	0.37%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Federal S&LA 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&LA 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&LA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Federal S&LA

FDIC Certificate # 28060

Address 100 N. Main St, Bellefontaine, OH 43311 · Logan

Website https://www.citizensfederalsl.com/

Established 18850101

FDIC Insurance Date 19890809

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

0.25%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4532%

Return on Equity (ROE) 4.4100%

Non-Performing Loans (NPL) 0.03%

Total Assets $186,142,000

Total Deposits $161,321,000

Equity Capital $19,338,000

Net Income $421,000

Headquarters Bellefontaine

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Citizens Federal S&LA earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Citizens Federal S&LA

How many branches does Citizens Federal S&LA operate?

Citizens Federal S&LA 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&LA 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&LA provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Federal S&LA offer online and mobile banking?

Most modern institutions like Citizens Federal S&LA 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.citizensfederalsl.com/.