What are the current interest rates at First Citizens Bank Mason City, IA?

Current rates for First Citizens Bank Mason City, IA include: 12-Month CD: 2.98%, 18-Month CD: 2.88%, 24-Month CD: 2.73%, 36-Month CD: 3.24%, 48-Month CD: 3.24%, 60-Month CD: 3.24%, Savings: 0.03%

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First Citizens Bank Mason City, IA

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First Citizens Bank Mason City, IA Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Citizens Bank Mason City, IA 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 19, 2026

First Citizens Bank Mason City, IA's 36-Month Term rates are at 3.55%, 36-Months 36-Month Term rates are at 3.55%, 48-Month Term rates are at 3.55%, 48-Months 48-Month Term rates are at 3.55%, 48-Months 48-Month Term rates are at 3.55%. First Citizens Bank Mason City, IA's savings rates are at 0.03%. MonitorBankRates evaluates the financial stability of First Citizens Bank Mason City, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.59%. Rates last updated and verified on 09/19/2026.

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

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

1.59%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Citizens Bank

2601 4th St Sw
Mason City, IA 50401

https://www.myfcb.bank

First Citizens Bank Mason City, IA CD Rates

Product	Rate	APY	Term
36-Month Term	3.50%	3.55%	36-Month Term
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
36-Month Term	3.50%	3.55%	36 months
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.50%	3.55%	48-Month Term
Min Balance $50,000 Details Balance: $50,000.00 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.50%	3.55%	48 months
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.50%	3.55%	48 months
Min Balance $0 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
60-Month Term	3.50%	3.55%	60 months
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
36-Month Term	3.40%	3.44%	36-Month Term
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
36-Month Term	3.40%	3.44%	36 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.40%	3.44%	48-Month Term
Min Balance $25,000 Details Balance: $25,000.00-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.40%	3.44%	48 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.40%	3.44%	48 months
Min Balance $0 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
60-Month Term	3.40%	3.44%	60 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
36-Month Term	3.30%	3.34%	36-Month Term
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
36-Month Term	3.30%	3.34%	36 months
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.30%	3.34%	48-Month Term
Min Balance $5,000 Details Balance: $5,000.00-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.30%	3.34%	48 months
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.30%	3.34%	48 months
Min Balance $0 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
60-Month Term	3.30%	3.34%	60 months
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
6-Month Term	3.30%	3.33%	6-Month Term**
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
6-Month Term	3.30%	3.33%	6-Month Term
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
12-Month Term	3.25%	3.29%	12 Months
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
12-Month Term	3.25%	3.29%	12-Month Term**
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
36-Month Term	3.20%	3.24%	36-Month Term
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
36-Month Term	3.20%	3.24%	36 months
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.20%	3.24%	48-Month Term
Min Balance $1,000 Details Balance: $1,000.00-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.20%	3.24%	48 months
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
48-Month Term	3.20%	3.24%	48 months
Min Balance $0 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
60-Month Term	3.20%	3.24%	60 months
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
6-Month Term	3.20%	3.23%	6-Month Term**
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
6-Month Term	3.20%	3.23%	6-Month Term
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
12-Month Term	3.15%	3.19%	12 Months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
12-Month Term	3.15%	3.19%	12-Month Term**
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18-Month Term	3.15%	3.19%	18-Month Term
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18-Month Term	3.15%	3.19%	18 Month
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
6-Month Term	3.10%	3.12%	6-Month Term**
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
6-Month Term	3.10%	3.12%	6-Month Term
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
12-Month Term	3.05%	3.09%	12-Month Term**
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
12-Month Term	3.05%	3.09%	12 Months
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18-Month Term	3.05%	3.09%	18-Month Term
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18-Month Term	3.05%	3.09%	18 Month
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
24-Month Term CD	3.00%	3.03%	24-Month Term***
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
6-Month Term	3.00%	3.02%	6-Month Term**
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
6-Month Term	3.00%	3.02%	6-Month Term
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
12-Month Term	2.95%	2.98%	12-Month Term**
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
12-Month Term	2.95%	2.98%	12 Months
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18-Month Term	2.95%	2.98%	18-Month Term
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18-Month Term	2.95%	2.98%	18 Month
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
24-Month Term CD	2.90%	2.93%	24-Month Term***
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18-Month Term	2.85%	2.88%	18-Month Term
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18-Month Term	2.85%	2.88%	18 Month
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
24-Month Term CD	2.80%	2.83%	24-Month Term***
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
24-Month Term CD	2.70%	2.73%	24-Month Term***
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

First Citizens Bank Mason City, IA Savings Rates

Product	Rate	APY
Platinum Savings	3.37%	3.42%
Min Balance $5,000,000 Details Balance: $5,000,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Platinum Savings	3.10%	3.14%
Min Balance $2,000,000 Details Balance: $2,000,000 and $4,999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Platinum Savings	2.70%	2.73%
Min Balance $1,000,000 Details Balance: $1,000,000-$1,999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Platinum Savings	1.75%	1.76%
Min Balance $250,000 Details Balance: $250,000-$999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Platinum Savings	1.75%	1.76%
Min Balance $250,000 Details Balance: $250,000-$999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Platinum Savings	1.20%	1.21%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Platinum Savings	1.20%	1.21%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Platinum Savings	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Platinum Savings	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Platinum Savings	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Platinum Savings	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Basic Savings	0.03%	0.03%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Christmas Club	0.03%	0.03%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Power Savers	0.03%	0.03%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

First Citizens Bank Mason City, IA Checking Rates

Product	Rate	APY	View More
Checking Plus	0.02%	0.02%
Min Balance $1,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

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

First Citizens Bank Mason City, IA’s Texas Ratio fell from 6.56% in Q3 2023 to 1.59% 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 and its Health Grade from A to A+. 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	$1.8B	1.59%	5.0	A+
March 31, 2026	$1.8B	4.86%	5.0	A+
December 31, 2025	$1.8B	5.48%	5.0	A+
September 30, 2025	$1.9B	5.03%	5.0	A+
June 30, 2025	$1.8B	5.68%	5.0	A+
March 31, 2025	$1.9B	5.67%	5.0	A+
December 31, 2024	$1.8B	5.98%	5.0	A+
September 30, 2024	$1.9B	3.87%	5.0	A+
June 30, 2024	$1.8B	5.18%	5.0	A+
March 31, 2024	$1.8B	4.99%	5.0	A+
December 31, 2023	$1.7B	4.74%	5.0	A+
September 30, 2023	$1.7B	6.56%	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 First Citizens Bank Mason City, IA 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 First Citizens Bank Mason City, IA 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 First Citizens Bank Mason City, IA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Citizens Bank Mason City, IA

Bank Holding Company FIRST CITIZENS FINANCIAL CORP

Address 2601 4th St Sw, Mason City, IA 50401 · Cerro Gordo

Website https://www.myfcb.bank

FDIC Certificate # 4433

Established 18920109

FDIC Insurance Date 19340101

Domestic Offices 7

Total Branches 7

Regulator FED

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

1.59%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0939%

Return on Equity (ROE) 18.5700%

Non-Performing Loans (NPL) 0.12%

Total Assets $1,797,291,000

Total Deposits $1,576,073,000

Equity Capital $205,179,000

Net Income $19,021,000

Headquarters Mason City

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Citizens Bank Mason City, IA earned the Verified Healthy badge

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Frequently Asked Questions About First Citizens Bank Mason City, IA

How many branches does First Citizens Bank Mason City, IA operate?

First Citizens Bank Mason City, IA currently maintains approximately 7 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, First Citizens Bank Mason City, IA 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, First Citizens Bank Mason City, IA provides members with tools to manage their accounts and build a solid financial history.

Does First Citizens Bank Mason City, IA offer online and mobile banking?

Most modern institutions like First Citizens Bank Mason City, IA 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.myfcb.bank.