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iAdvertiser Disclosure
Advertiser Disclosure
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 Citizens First Bank Rates & Review March 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.
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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: March 25, 2026
Citizens First Bank's 6-Month Certificates of Deposit rates are at 3.46%, 1 Year Certificates of Deposit rates are at 3.20%, 5 Year Certificates of Deposit rates are at 2.28%, 4 Year Certificates of Deposit rates are at 2.02%, 3 Year Certificates of Deposit rates are at 1.97%. Citizens First Bank's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Citizens First Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.33%. Rates were last updated on 03/25/2026. Citizens First Bank 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 First Bank? Share your experience about Citizens First Bank by leaving a review below, or read customer reviews before you decide to use Citizens First Bank. 
Citizens First Bank CD Rates
Citizens First Bank Savings Rates
Citizens First Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Citizens First Bank 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 First Bank 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 First Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Citizens First Bank
Bank Holding Company
VILLAGES BCORP INC
Address
1050 Lake Sumter Lndg,
The Villages, FL 32162 · Sumter
Website
https://www.citizensfb.com
FDIC Certificate #
33440
Established
07/01/1991
FDIC Insurance Date
07/01/1991
Domestic Offices
20
Total Branches
0
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.33%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.2880%
Return on Equity (ROE)
15.7000%
Non-Performing Loans (NPL)
0.02%
Total Assets
$4,064,821,000
Total Deposits
$3,418,224,000
Equity Capital
$501,130,000
Net Income
$38,648,000
Headquarters
The Villages
Total Offices
20
Source: FDIC | Last Updated 09/30/2025
Frequently Asked Questions About Citizens First BankIs Citizens First Bank a safe place to deposit money?Yes, Citizens First Bank is considered a safe financial institution. With a Texas Ratio of 0.33086670602287%, the institution's financial health is rated as excellent. 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 First Bank operate?Citizens First Bank currently maintains approximately multiple 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 First Bank 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 First Bank provides members with tools to manage their accounts and build a solid financial history. Does Citizens First Bank offer online and mobile banking?Most modern institutions like Citizens First Bank 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.citizensfb.com. Current Citizens First Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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