What are the current interest rates at Citizens Independent Bank?

Current rates for Citizens Independent Bank include: 24-Month CD: 3.00%

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Citizens Independent Bank

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Citizens Independent Bank Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Independent Bank 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 Independent Bank's top rates as of October 11, 2026 are 4.00% APY on its 7-Month Certificate, and personal loans from 2.96% APR, according to rates verified by MonitorBankRates. Other Citizens Independent Bank CD rates include 24-Month/2 Year Certificate at 3.00%, and 6-Month Certificate at 3.00%. MonitorBankRates evaluates the financial stability of Citizens Independent Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.74%. Rates last updated and verified on 10/11/2026.

Citizens Independent 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 Independent Bank? Share your experience about Citizens Independent Bank by leaving a review below, or read customer reviews before you decide to use Citizens Independent Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.74%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Citizens Independent Bank

5000 W 36th St
Saint Louis Park, MN 55416

https://www.bankcib.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 Independent Bank CD Rates

Product	Rate	APY	Term
7 Month Certificate	3.97%	4.00%	7 Month
Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
24 Month/2 Year Certificate	2.97%	3.00%	24 Month
Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
6 Month Certificate	2.98%	3.00%	6 Month
Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%

Citizens Independent Bank Auto Loan Rates

Product	Rate	Points	APR	Term
NEW CAR 2023 & Newer Loan	7.50%	-	7.72%	UP TO 60 MONTHS
Details FIXED Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 7.72% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
USED CAR 2018 - 2022 Loan	8.00%	-	8.22%	UP TO 60 MONTHS
Details FIXED Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 8.22% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
USED CAR 2017 & OLDER Loan	8.50%	-	8.72%	UP TO 60 MONTHS
Details FIXED Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 8.72% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%

Citizens Independent Bank Personal Loan Rates

Product	APR	Term	View More
Signature High Yield Checking	2.96%
Details Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $100,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 2.96% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Signature High Yield Checking	4.89%
Details Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $25,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 4.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Signature High Yield Checking	5.00%
Details Qualifications Required; Signature Saver balances up to $100,000 earn an APY of 3.0% and daily balances over $100,000 will earn an APY of .25% resulting in a blended APY between 3.00%-0.25% depending on the account's daily balance. APY rates effective as of 04/01/2026. When your Signature High Yield Checking qualifications are not met during a Monthly Qualification Cycle , the account balance in Signature High Yield Checking and Signature Saver will earn an APY of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your Signature High Yield Checking and Signature Saver account(s} on the last day of the current statement cycle. Rates are variable and may change after account is opened and without notice to you. Early closing fee of $10 if closed within 90 days and other fees may apply. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact a banker for additional information. Debit card transactions need to post and settle to the account during the cycle period. Please note that posting and settling of transactions may not occur on the same day the transaction is made, and there may be a delay before a transaction posts to your account. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 5.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%

Citizens Independent Bank Other Rates

Product	Rate	Points	APY/APR
Signature High Yield Checking	0.25%	-	0.25%
Details Qualifications Required; Signature Saver balances up to $100,000 earn an APY of 3.0% and daily balances over $100,000 will earn an APY of .25% resulting in a blended APY between 3.00%-0.25% depending on the account's daily balance. APY rates effective as of 04/01/2026. When your Signature High Yield Checking qualifications are not met during a Monthly Qualification Cycle , the account balance in Signature High Yield Checking and Signature Saver will earn an APY of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your Signature High Yield Checking and Signature Saver account(s} on the last day of the current statement cycle. Rates are variable and may change after account is opened and without notice to you. Early closing fee of $10 if closed within 90 days and other fees may apply. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact a banker for additional information. Debit card transactions need to post and settle to the account during the cycle period. Please note that posting and settling of transactions may not occur on the same day the transaction is made, and there may be a delay before a transaction posts to your account. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 0.05% → 0.25% ▲ 0.20 pts · high 0.25% / low 0.05% Oct 3, 20260.25%▲ from 0.05% Sep 24, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Signature High Yield Checking	0.05%	-	0.05%
Details All balances if qualifications not met Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.05% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%

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 Independent Bank’s Texas Ratio rose from 0.95% in Q3 2023 to 3.74% 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; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$314M	3.74%	5.0	A+
March 31, 2026	$317M	3.13%	5.0	A+
December 31, 2025	$315M	30.17%	3.7	C-
September 30, 2025	$314M	14.17%	5.0	A-
June 30, 2025	$326M	13.49%	5.0	A
March 31, 2025	$329M	0.29%	5.0	A+
December 31, 2024	$331M	0.31%	5.0	A+
September 30, 2024	$336M	0.31%	5.0	A+
June 30, 2024	$332M	0.38%	5.0	A+
March 31, 2024	$340M	0.37%	5.0	A+
December 31, 2023	$345M	0.86%	5.0	A+
September 30, 2023	$342M	0.95%	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 Independent 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 Independent 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 Independent Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Independent Bank

Bank Holding Company BAKKEN SECURITIES INC

Address 5000 W 36th St, Saint Louis Park, MN 55416 · Hennepin

Website https://www.bankcib.com

FDIC Certificate # 16863

Established 19500116

FDIC Insurance Date 19500116

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.74%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5289%

Return on Equity (ROE) 5.4400%

Non-Performing Loans (NPL) 0.09%

Total Assets $314,212,000

Total Deposits $267,025,000

Equity Capital $31,216,000

Net Income $834,000

Headquarters Saint Louis Park

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Citizens Independent Bank 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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       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
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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 Independent Bank

How many branches does Citizens Independent Bank operate?

Citizens Independent Bank currently maintains approximately 4 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 Independent 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 Independent Bank provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Independent Bank offer online and mobile banking?

Most modern institutions like Citizens Independent 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.bankcib.com.