What are the current interest rates at Citizens Savings Bank Clarks Summit, PA?

Current rates for Citizens Savings Bank Clarks Summit, PA include: 18-Month CD: 4.07%

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Citizens Savings Bank Clarks Summit, PA

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Citizens Savings Bank Clarks Summit, PA Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Citizens Savings Bank Clarks Summit, PA's 12, 15, or 18-Month CDs rates are at 4.07%. 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 09/20/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.51%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Citizens Savings Bank

500 S State St
Clarks Summit, PA 18411

https://www.citizens-savings.com

Citizens Savings Bank Clarks Summit, PA CD Rates

Product	Rate	APY	Term	View More
12, 15, or 18-Month CDs	-	4.07%	12, 15, or 18-Month
Details 4.07% A.P.Y.* Last Updated 09/20/2026 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
EZ Home Equity Line of Credit	-	-	4.99%	5 years
Details Term: 5-Year Fixed Intro. Rate; 4.99% A.P.R.5-Year Fixed Intro. Rate 6.75% A.P.R. Non-Intro. Rate on both. Subject to credit approval. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%

Citizens Savings Bank Clarks Summit, PA Other Rates

Product	Rate	Points	APY/APR	Term	View More
Kasasa Cash Checking	-	-	1.20%
Min Deposit $25 Details Qualifications Required: 12 PIN-based, signature-based debit card purchases post and settle; Monthly enrollment in electronic services (e.g. online or mobile banking, electronic statements) and log-ons are required; 1.19% to 0.28% APY on balances over $20,000 depending on balance in account* 0.01% APY* on all balances if qualifications aren't met No minimum balance to earn rewards Free P2P money transfers with Zelle Link to free Kasasa Saver to build savings automatically Open in Minutes Learn More Online Shopping Refunds Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%

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.
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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.

Bank Profile & Overview

Institution Name Citizens Savings Bank Clarks Summit, PA

FDIC Certificate # 31184

Address 500 S State St, Clarks Summit, PA 18411 · Lackawanna

Website https://www.citizens-savings.com

Established 19020101

FDIC Insurance Date 19890809

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.51%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.2443%

Return on Equity (ROE) 1.6300%

Non-Performing Loans (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 06/30/2026

2026 MBR Health & Safety Badge

Citizens Savings Bank Clarks Summit, PA earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Citizens Savings Bank Clarks Summit, PA

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.