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Citizens Savings Bank Clarks Summit, PA Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: November 7, 2026
Citizens Savings Bank Clarks Summit, PA's CD Accounts - 12-Month rates are at 4.07%, CD Accounts - 15-Month rates are at 4.07%, CD Accounts - 18-Month rates are at 4.07%, CD Accounts - 11-Month rates are at 1.25%, CD Accounts - 10-Month rates are at 0.75%. Citizens Savings Bank Clarks Summit, PA's savings rates are at 0.15%. Citizens Savings Bank Clarks Summit, PA's money market rates are at 0.50%. Citizens Savings Bank Clarks Summit, PA's checking rates are as high as 1.20%. Citizens Savings Bank Clarks Summit, PA's Fixed & Adjustable Rate Mortgage Loans- Primary Residence - 360 Months Seven Year ARM rates are at 6.375%, Fixed & Adjustable Rate Mortgage Loans- Primary Residence - 120 Months Fixed rates are at 6.75%, Fixed Rate Mortgage - Primary Residence rates are at 7.00%, Fixed & Adjustable Rate Mortgage Loans- Primary Residence - 360 Months Seven Year ARM Construction rates are at 6.625%, Fixed & Adjustable Rate Mortgage Loans- Primary Residence - 180 Months Fixed rates are at 7.00%. Citizens Savings Bank Clarks Summit, PA's Personal Loan Rates are as low as 11.99%. Citizens Savings Bank Clarks Summit, PA's top CD rate of 4.07% APY on a 12 month CD is 34% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Citizens Savings Bank Clarks Summit, PA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.51%. Rates last updated and verified on 11/07/2026.
Citizens Savings Bank Clarks Summit, PA 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 Clarks Summit, PA? Share your experience about Citizens Savings Bank Clarks Summit, PA by leaving a review below, or read customer reviews before you decide to use Citizens Savings Bank Clarks Summit, PA.
Citizens Savings Bank Clarks Summit, PA has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Citizens Savings Bank Clarks Summit, PA has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.51%
ExcellentLower than avg
Citizens Savings Bank Clarks Summit, PA Texas Ratio
Citizens Savings Bank Clarks Summit, PA's Texas Ratio is 1.51%, which is considered excellent and is lower than the national average of 5.85%.
Citizens Savings Bank Clarks Summit, PA has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Citizens Savings Bank Clarks Summit, PA Health Trend
3.38% to 1.51% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Clarks Summit, PA CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
CD Accounts - 12-Month
4.00%
4.07%
12 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 15-Month
4.00%
4.07%
15 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 18-Month
4.00%
4.07%
18 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Traditional IRA 15-Month
4.00%
4.07%
15 Month
$100
Min Deposit$100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 182 Day
3.75%
3.80%
182 Day
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 3.80% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 11-Month
1.24%
1.25%
11 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 1.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 10-Month
0.75%
0.75%
10 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 4-Month
0.75%
0.75%
4 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 5-Month
0.75%
0.75%
5 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 7-Month
0.75%
0.75%
7 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 8-Month
0.75%
0.75%
8 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 9-Month
0.75%
0.75%
9 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
60-Month CD Account
0.50%
0.50%
60 Month
$1,000
Min Deposit$1,000
DetailsEffective as of August 28, 2026; penalty may apply for early withdrawal
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 60-Month
0.50%
0.50%
60 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Traditional IRA 13-Month
0.50%
0.50%
13 Month
$100
Min Deposit$100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 14-Month
0.40%
0.40%
14 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 48-Month
0.40%
0.40%
48 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 13-Month
0.35%
0.35%
13 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 30-Month
0.35%
0.35%
30 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 36-Month
0.35%
0.35%
36 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 24-Month
0.30%
0.30%
24 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.30% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 25-Month
0.30%
0.30%
25 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.30% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 20-Month
0.25%
0.25%
20 Month
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
CD Accounts - 91 Day
0.05%
0.05%
91 Day
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Citizens Savings Bank Clarks Summit, PA Savings Rates
Product
Rate
APY
View More
Premium Passbook Savings
0.15%
0.15%
Min Balance$25,000
DetailsBalance: $25,000.00 and over; Minimum Balance to Avoid Service Charge: $100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Premium Passbook Savings
0.10%
0.10%
Min Balance$15,000
DetailsBalance: $15,000.00 to $24,999.99; Minimum Balance to Avoid Service Charge: $100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Club Accounts
0.05%
0.05%
DetailsBalance: All Balances; Minimum Balance to Avoid Service Charge:
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Premium Passbook Savings
0.05%
0.05%
Min Balance$5,000
DetailsBalance: $5,000.00 to $14,999.99; Minimum Balance to Avoid Service Charge: $100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Premium Passbook Savings
0.05%
0.05%
Min Balance$0
DetailsBalance: $0.01 to $4,999.99; Minimum Balance to Avoid Service Charge: $100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Regular Passbook Savings
0.05%
0.05%
DetailsBalance: All Balances; Minimum Balance to Avoid Service Charge: $100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Statement Savings
0.05%
0.05%
DetailsBalance: All Balances; Minimum Balance to Avoid Service Charge: $100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Citizens Savings Bank Clarks Summit, PA Money Market Rates
Product
Rate
APY
View More
Platinum Money Market Account
0.50%
0.50%
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99; Minimum Balance to Avoid Service Charge: $50,000.00
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Platinum Money Market Account
0.25%
0.25%
Min Balance$10,000
DetailsBalance: $10,000.00 to $49,999.99; Minimum Balance to Avoid Service Charge: $50,000.00
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Premier Money Market Account
0.10%
0.10%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Minimum Balance to Avoid Service Charge: $50,000.00
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Platinum Money Market Account
0.05%
0.05%
Min Balance$0
DetailsBalance: $0.00 to $9,999.99; Minimum Balance to Avoid Service Charge: $50,000.00
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Premier Money Market Account
0.05%
0.05%
Min Balance$0
DetailsBalance: $0.00 - $49,999.99; Minimum Balance to Avoid Service Charge: $50,000.00
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Premium Money Market Account
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000.00 to $49,999.99; Minimum Balance to Avoid Service Charge: $1,000.00
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Premium Money Market Account
0.01%
0.01%
Min Balance$10,000
DetailsBalance: $10,000.00 to $24,999.99; Minimum Balance to Avoid Service Charge: $1,000.00
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.01% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Citizens Savings Bank Clarks Summit, PA Checking Rates
Product
Rate
APY
View More
Free Kasasa Cash Checking
-
1.20%
Min Deposit$25
Min Balance$0
DetailsQualifications Required; Balance: $0.00 - $20,000.00; Qualifying balance up to $20,000.00; Rates and rewards are variable; ATM fee reimbursements up to $20.00 monthly
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 1.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Free Kasasa Cash Checking
1.20%
1.20%
Min Balance$0
DetailsBalance: $0 to $20,000; Qualifications not met tier and $20,000+ tier omitted
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 1.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Advantage Checking
0.05%
0.05%
DetailsBalance: All Balances; Minimum Balance to Avoid Service Charge:
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Citizens Savings Bank Clarks Summit, PA Mortgage Rates
Product
Rate
Points
APR
Term
View More
Fixed Rate Mortgage - Primary Residence
7.00%
0
7.00%
180 Months
DetailsFixed; Purchase/Refinance; Construction rate 7.250%, Construction APR 7.416%
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 7.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Citizens Savings Bank Clarks Summit, PA Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan - Primary Residence
5.999%
-
6.08%
To 60 Months
DetailsType: Fixed; Owner-Occupied; Second Home add .50% to owner-occupied rate.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 6.08% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Home Equity Loan - Primary Residence
6.75%
-
6.794%
To 120 Months
DetailsType: Fixed; Owner-Occupied; Second Home add .50% to owner-occupied rate.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 6.79% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Home Equity Loan - Owner-Occupied
7.00%
-
7.00%
To 180 Months
DetailsFixed; Primary Residence; Second Home add .50% to owner-occupied rate
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 7.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Home Equity Loan - Primary Residence
7.00%
-
7.032%
To 180 Months
DetailsType: Fixed; Owner-Occupied; Second Home add .50% to owner-occupied rate.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 7.03% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Home Equity Loan - Primary Residence Non-Owner-Occupied
8.125%
-
8.208%
To 60 Months
DetailsType: Fixed; Non-Owner-Occupied.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 8.21% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Home Equity Loan - Primary Residence Non-Owner-Occupied
8.50%
-
8.545%
To 120 Months
DetailsType: Fixed; Non-Owner-Occupied.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 8.55% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Home Equity Loan - Primary Residence Non-Owner-Occupied
8.75%
-
8.783%
To 180 Months
DetailsType: Fixed; Non-Owner-Occupied.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 8.78% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Citizens Savings Bank Clarks Summit, PA Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loans - New
-
-
6.25%
To 36 Months
No additional details.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 6.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Auto Loans - New
-
-
6.375%
To 48 Months
No additional details.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 6.38% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Auto Loans - New
-
-
6.50%
To 60 Months
No additional details.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 6.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Auto Loans - Used Yr 23-25
-
-
6.50%
To 36 Months
No additional details.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 6.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Auto Loans - New
-
-
6.75%
To 84 Months
No additional details.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 6.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Auto Loans - Used Yr 23-25
-
-
6.75%
To 48 Months
No additional details.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 6.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Auto Loans - Used Yr 20-22
-
-
7.00%
To 36 Months
No additional details.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 7.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Auto Loans - Used Yr 23-25
-
-
7.00%
To 60 Months
No additional details.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 7.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Auto Loans - Used Yr 23-25
-
-
7.50%
To 84 Months
No additional details.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 7.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Auto Loans - Non-Purchase Yr 20-26
-
-
8.00%
To 36 Months
No additional details.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 8.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Auto Loans - Used Yr 20-22
-
-
8.00%
To 84 Months
No additional details.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 8.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Citizens Savings Bank Clarks Summit, PA Personal Loan Rates
Product
APR
Term
View More
Unsecured Personal Loan
11.99%
36 Months
DetailsMinimum Loan Amount $2,000; Maximum Loan Amount $10,000; Loans subject to credit approval
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 11.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Citizens Savings Bank Clarks Summit, PA Other Rates
No change since Oct 22, 2026 · 7.73% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Fixed & Adjustable Rate Mortgage Loans- Primary Residence - 360 Months Seven Year ARM
6.375%
0
6.847%
360 Months
DetailsPurchase/Refinance
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 6.85% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Fixed & Adjustable Rate Mortgage Loans- Primary Residence - 360 Months Seven Year ARM Construction
6.625%
0
7.016%
360 Months
DetailsConstruction
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 7.02% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Land & Lot Loans
8.50%
0
9.352%
180 Months
DetailsType: Fixed Rate-Five Year Balloon
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 9.35% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Non-Owner Occupied (1-4 Family Units) Loan
7.75%
1
8.113%
120 Months
DetailsType: Fixed; Purchase/Refinance
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 8.11% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Non-Owner Occupied (1-4 Family Units) Loan
8.00%
1
8.264%
180 Months
DetailsType: Fixed; Purchase/Refinance
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 8.26% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Non-Owner Occupied (1-4 Family Units) Loan
8.25%
1
8.467%
240 Months
DetailsType: Fixed; Purchase/Refinance
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 8.47% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Coverdell - Education IRA - 12 Month
4.00%
-
4.07%
12 Month
Min Deposit$100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Coverdell - Education IRA - 14 Month
0.60%
-
0.60%
14 Month
Min Deposit$100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.60% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Coverdell - Education IRA - 18 Month
4.00%
-
4.07%
18 Month
Min Deposit$100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Coverdell - Education IRA - 20 Month
0.25%
-
0.25%
20 Month
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Coverdell - Education IRA - 30 Month
0.35%
-
0.35%
30 Month
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Coverdell - Education IRA - 48 Month
0.50%
-
0.50%
48 Month
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Coverdell - Education IRA - 6 Month
3.75%
-
3.80%
6 Month
Min Deposit$100
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 3.80% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Free Kasasa Saver Savings
0.20%
-
0.20%
Min Balance$0
DetailsBalance: $0 to $50,000
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.51%
Financial Health History
Citizens Savings Bank Clarks Summit, PA’s Texas Ratio fell from 3.38% in Q3 2023 to 1.51% in Q2 2026, so its financial health has improved and is now 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
$359M
1.51%
5.0
A+
March 31, 2026
$359M
1.40%
5.0
A+
December 31, 2025
$355M
1.26%
5.0
A+
September 30, 2025
$349M
1.53%
5.0
A+
June 30, 2025
$354M
2.51%
5.0
A+
March 31, 2025
$356M
1.26%
5.0
A+
December 31, 2024
$362M
0.98%
5.0
A+
September 30, 2024
$358M
1.65%
5.0
A+
June 30, 2024
$354M
2.17%
5.0
A+
March 31, 2024
$352M
1.09%
5.0
A+
December 31, 2023
$373M
2.25%
5.0
A+
September 30, 2023
$372M
3.38%
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 Clarks Summit, PA 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 Clarks Summit, PA 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 Clarks Summit, PA's official website for the most current offers and terms.
Address
500 S State St,
Clarks Summit, PA 18411 · Lackawanna
FDIC Certificate #31184
RegulatorOCC
EstablishedJanuary 1, 1902
FDIC Insurance DateAugust 9, 1989
Domestic Offices6
Total Branches6
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.51%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.2443%
Return on Equity (ROE)
1.6300%
Non-Performing Loans Ratio (NPL)
0.23%
Total Assets
$358,979,000
Total Deposits
$304,014,000
Equity Capital
$53,782,000
Net Income
$437,000
Headquarters
Clarks Summit
Total Branches and Offices
6
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Citizens Savings Bank Clarks Summit, PA earned the Verified Healthy badge
Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Citizens Savings Bank Clarks Summit, PA
Frequently Asked Questions About Citizens Savings Bank Clarks Summit, PA
Does Citizens Savings Bank Clarks Summit, PA offer CDs?
Yes. Citizens Savings Bank Clarks Summit, PA current CD rates include its CD Accounts - 12-Month at 4.07% APY, its CD Accounts - 15-Month at 4.07% APY and its CD Accounts - 18-Month at 4.07% APY, verified by MonitorBankRates as of November 7, 2026.
Are CDs from Citizens Savings Bank Clarks Summit, PA FDIC insured?
Yes. Citizens Savings Bank Clarks Summit, PA is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Citizens Savings Bank Clarks Summit, PA?
The highest Citizens Savings Bank Clarks Summit, PA CD rate is its Certificate of Deposit Accounts - 12-Month at 4.07% APY, verified by MonitorBankRates as of November 7, 2026.
What CD terms does Citizens Savings Bank Clarks Summit, PA offer?
Citizens Savings Bank Clarks Summit, PA CD rates are 0.75% APY for a 10 month CD, 1.25% APY for an 11 month CD, 4.07% APY for a 12 month CD, 4.07% APY for a 15 month CD, 4.07% APY for an 18 month CD, 0.30% APY for a 2 year CD, 0.35% APY for a 3 year CD, 0.40% APY for a 4 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Citizens Savings Bank Clarks Summit, PA for its full lineup.
What is the highest savings rate at Citizens Savings Bank Clarks Summit, PA?
The highest Citizens Savings Bank Clarks Summit, PA savings rate is its Premium Passbook Savings at 0.15% APY, verified by MonitorBankRates as of November 7, 2026.
What is the highest money market rate at Citizens Savings Bank Clarks Summit, PA?
The highest Citizens Savings Bank Clarks Summit, PA money market rate is its Platinum Money Market Account at 0.50% APY, verified by MonitorBankRates as of November 7, 2026.
What is the highest checking rate at Citizens Savings Bank Clarks Summit, PA?
The highest Citizens Savings Bank Clarks Summit, PA checking rate is its Free Kasasa Cash Checking at 1.20% APY, verified by MonitorBankRates as of November 7, 2026.
What is the lowest mortgage rate at Citizens Savings Bank Clarks Summit, PA?
The lowest Citizens Savings Bank Clarks Summit, PA mortgage rate is its Fixed & Adjustable Rate Mortgage Loans- Primary Residence - 360 Months Seven Year ARM at 6.375%, verified by MonitorBankRates as of November 7, 2026. Citizens Savings Bank Clarks Summit, PA mortgage rates are 6.375% for a 30 year mortgage, 7.25% for a 20 year mortgage, 7.00% for a 15 year mortgage and 6.75% for a 10 year mortgage.
What is the lowest auto loan rate at Citizens Savings Bank Clarks Summit, PA?
The lowest Citizens Savings Bank Clarks Summit, PA auto loan rate is its Auto Loans - New at 6.25% APR, verified by MonitorBankRates as of November 7, 2026.
What is the lowest personal loan rate at Citizens Savings Bank Clarks Summit, PA?
The lowest Citizens Savings Bank Clarks Summit, PA personal loan rate is its Unsecured Personal Loan at 11.99% APR, verified by MonitorBankRates as of November 7, 2026.
How many branches does Citizens Savings Bank Clarks Summit, PA operate?
Citizens Savings Bank Clarks Summit, PA currently maintains approximately 6 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 Clarks Summit, PA 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 Clarks Summit, PA provides members with tools to manage their accounts and build a solid financial history.
Does Citizens Savings Bank Clarks Summit, PA offer online and mobile banking?
Most modern institutions like Citizens Savings Bank Clarks Summit, PA 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.citizens-savings.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Citizens Savings Bank Clarks Summit, PA rates compare?
Citizens Savings Bank Clarks Summit, PA's top CD rate of 4.07% APY on a 12 month CD is 34% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. Citizens Savings Bank Clarks Summit, PA's top rates are its Certificate of Deposit Accounts - 12-Month at 4.07% APY, its Premium Passbook Savings at 0.15% APY, its Platinum Money Market Account at 0.50% APY, its Free Kasasa Cash Checking at 1.20% APY, its Fixed & Adjustable Rate Mortgage Loans- Primary Residence - 360 Months Seven Year ARM at 6.375% and its Unsecured Personal Loan at 11.99% APR, verified by MonitorBankRates on November 7, 2026.
Current Citizens Savings Bank Clarks Summit, PA Rates
12-Month CD0.35%
18-Month CD4.07%
24-Month CD0.30%
36-Month CD0.35%
48-Month CD0.40%
60-Month CD0.50%
Savings0.15%
MMA0.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
