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Citizens Savings Bank Clarks Summit, PA

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Citizens Savings Bank Clarks Summit, PA Rates & Review August 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: August 29, 2026

Citizens Savings Bank Clarks Summit, PA rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Citizens Savings Bank Clarks Summit, PA, and you can see how they compare in the Citizens Savings Bank Clarks Summit, PA rate tables below. 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 3.38%. Database rates last updated and verified on 08/29/2026.

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.

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Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.38%

Excellent Lower than avg

Citizens Savings Bank

500 S State St
Clarks Summit, PA 18411

https://www.citizens-savings.com

Current Rate Availability

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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 01/01/1902

FDIC Insurance Date 08/09/1989

Domestic Offices 6

Total Branches 6

Regulator OCC

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

3.38%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.2193%

Return on Equity (ROE) -1.6900%

Non-Performing Loans (NPL) 0.45%

Total Assets $355,221,000

Total Deposits $300,718,000

Equity Capital $53,299,000

Net Income $885,000

Headquarters Clarks Summit

Total Branches and Offices 6

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

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

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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.