First Citizens State Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 3.90%, 6-month CD rates at 2.02% and 3-month CD rates at 2.07%. Current savings rates are at 0.43% and money market rates are at 2.53%. Mortgage rates today on 30-year fixed loans are around 6.82%. Credit Card rates are at 9.20%. Personal Loan rates are at 10.99%. All these rates, and more, can be found in our database of rates. First Citizens State Bank's 60-Month CD rates are at 3.00%, 48-Month CD rates are at 2.80%, 36-Month CD rates are at 2.75%, 24-Month CD rates are at 2.35%, 18-Month CD rates are at 2.30%. First Citizens State Bank's savings rates are at 0.05%. First Citizens State Bank's money market rates are at 0.10%.

First Citizens State Bank

To see how these rates compare to First Citizens State Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First Citizens State Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with First Citizens State Bank CD rates. You can also compare First Citizens State Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

First Citizens State Bank Texas Ratio

First Citizens State Bank's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for First Citizens State Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, First Citizens State Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
2.25%
18-Month CD
2.30%
24-Month CD
2.35%
36-Month CD
2.75%
48-Month CD
2.80%
60-Month CD
3.00%
Savings
0.05%
MMA
0.10%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
First Citizens State Bank
207 W Main St
Whitewater, WI 53190
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

First Citizens State Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
First Citizens State Bank
First Citizens State Bank
60-Month CD
3.00%
$1,000
First Citizens State Bank
First Citizens State Bank
48-Month CD
2.80%
$1,000
First Citizens State Bank
First Citizens State Bank
36-Month CD
2.75%
$100
First Citizens State Bank
First Citizens State Bank
24-Month CD
2.35%
$1,000
First Citizens State Bank
First Citizens State Bank
18-Month CD
2.30%
$1,000
First Citizens State Bank
First Citizens State Bank
12-Month CD
2.25%
$1,000
First Citizens State Bank
First Citizens State Bank
Money Market
0.10%
$0
First Citizens State Bank
First Citizens State Bank
Savings
0.05%
$100
First Citizens State Bank
First Citizens State Bank
Direct Checking
0.01%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare First Citizens State Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Redneck Bank, div of All America Bank
Redneck Bank, div of All America Bank
Rewards Checking
4.50%
$0
Central Bank Provo, UT
Central Bank Provo, UT
60-Month CD
4.06%
$500
OBannon Bank
OBannon Bank
24-Month CD
3.80%
$1,000
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
60-Month CD
3.80%
$100
Kish Bank
Kish Bank
24-Month CD
3.65%
$2,000
360 Federal Credit Union
360 Federal Credit Union
12-Month CD
3.56%
$1,000
Farm Bureau Bank FSB
Farm Bureau Bank FSB
36-Month CD
3.45%
$1,000
Great Plains State Bank
Great Plains State Bank
24-Month CD
3.40%
$500
Compass Savings Bank
Compass Savings Bank
60-Month CD
3.30%
$500
Farmers Insurance Federal Credit Union
Farmers Insurance Federal Credit Union
12-Month CD
3.25%
$1,000
Bank of Kampsville
Bank of Kampsville
18-Month CD
3.03%
$1,000
Liberty Bank Poulsbo, WA
Liberty Bank Poulsbo, WA
36-Month CD
3.00%
$2,500
MVSB
18-Month CD
2.75%
$500
PSECU
PSECU
60-Month CD
2.70%
$500
Castroville State Bank
Castroville State Bank
24-Month CD
2.68%
$1,000
Bank of Hindman
Bank of Hindman
60-Month CD
2.53%
$1,000
American State Bank of Grygla
American State Bank of Grygla
36-Month CD
2.52%
$500
Henderson State Bank
Henderson State Bank
48-Month CD
2.32%
$500
Jovia Federal Credit Union
Jovia Federal Credit Union
36-Month CD
2.25%
$100
PSB of Rhineland
PSB of Rhineland
48-Month CD
2.02%
$1,000
Northfield Bank
Northfield Bank
48-Month CD
2.00%
$2,500
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
48-Month CD
2.00%
$1,000
Bruning Bank
Bruning Bank
24-Month CD
1.81%
$500
The Blue Grass Valley Bank
The Blue Grass Valley Bank
36-Month CD
1.70%
$500
Cape Ann Savings Bank
Cape Ann Savings Bank
Lighthouse Savings
1.66%
$15,000
SouthernTrust Bank
SouthernTrust Bank
60-Month CD
1.56%
$1,000
Preferred Bank Rothville, MO
Preferred Bank Rothville, MO
24-Month CD
1.51%
$500
Liberty Bank Middletown, CT
Liberty Bank Middletown, CT
60-Month CD
1.45%
$500
Fulton Bank
Fulton Bank
36-Month CD
1.01%
$1,000
1st MidAmerica Credit Union
1st MidAmerica Credit Union
24-Month CD
0.80%
$1,000
Citizens State Bank Hudson, WI
Citizens State Bank Hudson, WI
Citizens Select Money Market
0.76%
$0
First National Bank in Pinckneyville
First National Bank in Pinckneyville
48-Month CD
0.75%
$500
Farmers State Bank Wathena, KS
Farmers State Bank Wathena, KS
48-Month CD
0.70%
$500
Hancock County SB
Hancock County SB
24-Month CD
0.60%
$500
Farmers and Merchants Bank Milford, NE
Farmers and Merchants Bank Milford, NE
Money Market
0.50%
$75,000
Bank of Magnolia
Bank of Magnolia
48-Month CD
0.50%
$1,000
Brenham National Bank
Brenham National Bank
36-Month CD
0.50%
$1,000
JVB Juniata Valley Bank
JVB Juniata Valley Bank
Money Market
0.50%
$1,000
Buckeye Community Bank
Buckeye Community Bank
60-Month CD
0.40%
$500
Bath State Bank
Bath State Bank
48-Month CD
0.40%
$500
Community Bank Delaware
Community Bank Delaware
12-Month CD
0.30%
$500
Hiawatha National Bank
Hiawatha National Bank
Statement Savings
0.30%
$50
Cross River Bank
Cross River Bank
Money Market
0.25%
$0
Bank of Prairie du Sac
Bank of Prairie du Sac
Regular Savings
0.20%
$100
TFB Tecumseh Federal Bank
TFB Tecumseh Federal Bank
Bonus Money Market
0.20%
$2,500
GSL Savings Bank
GSL Savings Bank
NOW Checking
0.15%
$100
First Federal S&L of Central Illinois, S.B.
First Federal S&L of Central Illinois, S.B.
Checking
0.10%
$500
Hawaii National Bank
Hawaii National Bank
V.I.P. Money Market
0.05%
$2,000
Union Bank Morrisville, VT
Union Bank Morrisville, VT
Statement Savings
0.02%
$25
Brenham National Bank
Brenham National Bank
Success Savings
0.01%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates May 13, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5-Year ARM Jumbo
5.250%
4.753%
0.000
5.560%
5.250%
0.000
15-Year Fixed
5.250%
5.385%
0.750
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.375%
5.507%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.250%
5.545%
1.000
5.375%
5.563%
0.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.375%
5.633%
0.000
15-Year Fixed Jumbo
5.625%
5.651%
0.000
5.500%
5.654%
0.000
5.375%
5.677%
1.125
15-Year Fixed
5.625%
5.681%
0.000
5.625%
5.693%
0.000
5.500%
5.694%
0.250
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

First Citizens State Bank Information

First Citizens State Bank
207 W Main St
Whitewater, WI 53190
Walworth
Established Date: 10/25/1863
FDIC Certificate #: 11228
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: WHITEWATER BCORP INC
How Many Domestic U.S. Offices? 8
How Many Branches are There? 8
Is First Citizens State Bank FDIC Insured? Yes
What is First Citizens State Bank's Cert number? 11228
What is the maximum amount for insured deposits? $250,000 per holder, per account

First Citizens State Bank Financials

Total Assets:
$437,980,000
Total Deposits:
$310,327,000
Equity Capital:
$77,898,000
Domestic Deposits:
$310,327,000
Net Income:
$1,215,000
Return on Assets:
1.2783%
Quarterly Return on Assets:
1.1000%
Pretax Return on Assets:
1.3125%
Pretax Quarterly Return on Assets:
1.3100%
Return on Equity:
7.3500%
Quarterly Return on Equity:
6.2900%
Leverage Tier 1 (Core Capital) Ratio:
17.4862%
Total Interest Income (YTD):
4.2168%
 
 
Headquarters:
Whitewater
FDIC Field Office:
Milwaukee
Regulator:
FDIC
County:
Walworth
# of Offices:
8
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

The Federal Reserve wraps up their two day meeting today and is widely expected to reduce their purchases by another $10 billion a month of mortgage-backed securities and long term U.S. Treasuries. A $10 billion reduction would reduce their purchases to $55 billion a month, down from $85 billion a month in 2013. Reducing their monthly purchases will gradually send long term bond rates and mortgage rates higher but won't increase savings rates.

Mortgage rates are lower again this week thanks to the financial issues going on in Europe. 30 year mortgage rates are down to 4.78 percent for the week ending May 27, 2010 in Freddie Mac's current Primary Mortgage Market Survey. This is the lowest point 30 year mortgage rates have been since December 3, 2009. Mortgage discount points averaged 0.7 points on 30 year mortgages.

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First Citizens State Bank Reviews

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