What are the current interest rates at Citizens Savings Bank Bogalusa, LA?

Current rates for Citizens Savings Bank Bogalusa, LA include: 12-Month CD: 4.00%, 18-Month CD: 3.50%, 24-Month CD: 3.65%, 36-Month CD: 3.25%, 48-Month CD: 3.25%, 60-Month CD: 3.25%, Savings: 0.10%, MMA: 0.20%

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Citizens Savings Bank Bogalusa, LA

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Citizens Savings Bank Bogalusa, LA Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Savings Bank Bogalusa, 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 12, 2026

Citizens Savings Bank Bogalusa, LA's top rates as of October 12, 2026 are 4.06% APY on its 12-Month IRA CD, 0.10% APY on savings, 0.20% APY on money market accounts, and 0.01% APY on checking, according to rates verified by MonitorBankRates. Other Citizens Savings Bank Bogalusa, LA CD rates include 6-Month IRA at 4.06%, 6-Month CD at 4.04%, and 12-Month CD at 4.00%. MonitorBankRates evaluates the financial stability of Citizens Savings Bank Bogalusa, LA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.20%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.20%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Citizens Savings Bank

1725 Sullivan Dr
Bogalusa, LA 70427

https://www.citizenssb.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 Savings Bank Bogalusa, LA CD Rates

Product	Rate	APY	Term
12 Month IRA	4.00%	4.06%	12 Month
Min Deposit $250 Min Balance $250 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80% Oct 8, 20264.06%▲ from 3.80% Sep 24, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
6 Month IRA	4.00%	4.06%	6 Month
Min Deposit $250 Min Balance $250 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80% Oct 8, 20264.06%▲ from 3.80% Sep 24, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
6 Month CD	4.00%	4.04%	6 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79% Oct 8, 20264.04%▲ from 3.79% Sep 24, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
12 Month CD	4.00%	4.00%	12 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 8, 20264.00%▲ from 3.75% Sep 24, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
24 Month IRA	3.65%	3.70%	24 Month
Min Deposit $250 Min Balance $250 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.44% → 3.70% ▲ 0.26 pts · high 3.70% / low 3.44% Oct 8, 20263.70%▲ from 3.44% Sep 24, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
24 Month CD	3.65%	3.65%	24 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40% Oct 8, 20263.65%▲ from 3.40% Sep 24, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
18 Month IRA	3.50%	3.55%	18 Month
Min Deposit $250 Min Balance $250 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29% Oct 8, 20263.55%▲ from 3.29% Sep 24, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
18 Month CD	3.50%	3.50%	18 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 8, 20263.50%▲ from 3.25% Sep 24, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
36 Month IRA	3.25%	3.29%	36 Month
Min Deposit $250 Min Balance $250 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.03% → 3.29% ▲ 0.26 pts · high 3.29% / low 3.03% Oct 8, 20263.29%▲ from 3.03% Sep 24, 20263.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
48 Month Bump IRA	3.25%	3.29%	48 Month
Min Deposit $250 Min Balance $250 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.03% → 3.29% ▲ 0.26 pts · high 3.29% / low 3.03% Oct 8, 20263.29%▲ from 3.03% Sep 24, 20263.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
60 Month Bump IRA	3.25%	3.29%	60 Month
Min Deposit $250 Min Balance $250 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.03% → 3.29% ▲ 0.26 pts · high 3.29% / low 3.03% Oct 8, 20263.29%▲ from 3.03% Sep 24, 20263.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
36 Month CD	3.25%	3.25%	36 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 8, 20263.25%▲ from 3.00% Sep 24, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
48 Month Bump CD	3.25%	3.25%	48 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 8, 20263.25%▲ from 3.00% Sep 24, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
60 Month Bump CD	3.25%	3.25%	60 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 8, 20263.25%▲ from 3.00% Sep 24, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
91 Day CD	0.50%	0.50%	91 Day
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%

Citizens Savings Bank Bogalusa, LA Savings Rates

Product	Rate	APY
Christmas Club	0.25%	0.25%
Min Deposit $5 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
Personal Savings	0.10%	0.10%
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%

Citizens Savings Bank Bogalusa, LA Money Market Rates

Product	Rate	APY
Personal Money Market GOLD	0.20%	0.20%
Min Deposit $5,000 Min Balance $75,000 Details Balance: $75,000.00 + Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
Personal Money Market GOLD	0.15%	0.15%
Min Deposit $5,000 Min Balance $50,000 Details Published APY range: 0.15% to 0.15%; Published rate range: 0.15% to 0.15%. Balance: $50,000.00 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
Personal Money Market GOLD	0.10%	0.10%
Min Deposit $5,000 Min Balance $25,000 Details Published APY range: 0.10% to 0.10%; Published rate range: 0.10% to 0.10%. Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%
Personal Money Market GOLD	0.05%	0.05%
Min Deposit $5,000 Min Balance $5,000 Details Published APY range: 0.05% to 0.05%; Published rate range: 0.05% to 0.05%. Balance: $5,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%

Citizens Savings Bank Bogalusa, LA Checking Rates

Product	Rate	APY	View More
Checking Plus - Interest	0.01%	0.01%
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%

Citizens Savings Bank Bogalusa, LA Other Rates

Product	Rate	Points	APY/APR	Term	View More
91 Day IRA	0.50%	-	0.50%	91 Day
Min Deposit $250 Min Balance $250 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.20%

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 Savings Bank Bogalusa, LA’s Texas Ratio fell from 5.84% in Q3 2023 to 5.20% in Q2 2026, so its financial health has held steady at a healthy level 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	$329M	5.20%	5.0	A+
March 31, 2026	$326M	5.51%	5.0	A+
December 31, 2025	$319M	7.55%	5.0	A
September 30, 2025	$320M	7.18%	5.0	A
June 30, 2025	$320M	8.02%	5.0	A
March 31, 2025	$316M	8.08%	5.0	A
December 31, 2024	$307M	6.97%	5.0	A
September 30, 2024	$306M	8.73%	5.0	A
June 30, 2024	$300M	5.29%	5.0	A+
March 31, 2024	$297M	6.07%	5.0	A
December 31, 2023	$292M	6.72%	5.0	A
September 30, 2023	$286M	5.84%	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 Savings Bank Bogalusa, 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 Savings Bank Bogalusa, 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 Savings Bank Bogalusa, LA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Savings Bank Bogalusa, LA

FDIC Certificate # 30270

Address 1725 Sullivan Dr, Bogalusa, LA 70427 · Washington

Website https://www.citizenssb.com

Established 19450101

FDIC Insurance Date 19890809

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.20%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2832%

Return on Equity (ROE) 9.5000%

Non-Performing Loans (NPL) 0.57%

Total Assets $329,090,000

Total Deposits $282,365,000

Equity Capital $44,815,000

Net Income $2,083,000

Headquarters Bogalusa

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Citizens Savings Bank Bogalusa, 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.

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Customer Reviews

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Frequently Asked Questions About Citizens Savings Bank Bogalusa, LA

How many branches does Citizens Savings Bank Bogalusa, LA operate?

Citizens Savings Bank Bogalusa, LA currently maintains approximately 5 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 Savings Bank Bogalusa, 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 Savings Bank Bogalusa, LA provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Savings Bank Bogalusa, LA offer online and mobile banking?

Most modern institutions like Citizens Savings Bank Bogalusa, 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.citizenssb.com.