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 0.70%, 6-month CD rates at 4.00% and 3-month CD rates at 0.05%. Current savings rates are at 0.05% and money market rates are at 0.15%. Mortgage rates today on 30-year fixed loans are around 6.75%. Credit Card rates are at 17.75%. Personal Loan rates are at 9.20%. All these rates, and more, can be found in our database of rates. First Citizens State Bank's 60-Month CD rates are at 2.75%, 48-Month CD rates are at 2.30%, 36-Month CD rates are at 2.20%, 24-Month CD rates are at 1.85%, 18-Month CD rates are at 1.80%. First Citizens State Bank's savings rates are at 0.05%. First Citizens State Bank's money market rates are at 0.05%.

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 6.24%. 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
1.75%
18-Month CD
1.80%
24-Month CD
1.85%
36-Month CD
2.20%
48-Month CD
2.30%
60-Month CD
2.75%
Savings
0.05%
MMA
0.05%
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
2.75%
$1,000
First Citizens State Bank
First Citizens State Bank
48-Month CD
2.30%
$1,000
First Citizens State Bank
First Citizens State Bank
36-Month CD
2.20%
$100
First Citizens State Bank
First Citizens State Bank
24-Month CD
1.85%
$1,000
First Citizens State Bank
First Citizens State Bank
18-Month CD
1.80%
$1,000
First Citizens State Bank
First Citizens State Bank
12-Month CD
1.75%
$1,000
First Citizens State Bank
First Citizens State Bank
Statement Savings
0.05%
$100
First Citizens State Bank
First Citizens State Bank
Money Market
0.05%
$0
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
Lincoln FSB of Nebraska
Lincoln FSB of Nebraska
Lifetime Checking
5.12%
$0
Heritage Bank of the Ozarks
Heritage Bank of the Ozarks
Neighbor Rewards Checking
5.00%
$0
Susser Bank
Susser Bank
18-Month CD
5.00%
$1,000
Finworth
Finworth
22-Month CD
4.80%
$50,000
First National Bank of America (FNBA)
First National Bank of America (FNBA)
36-Month CD
4.60%
$1,000
Goldwater Bank
Goldwater Bank
60-Month CD
4.25%
$500
First Community Bank, Xenia-Flora
First Community Bank, Xenia-Flora
18-Month CD
4.06%
$500
First FSB of Kentucky
First FSB of Kentucky
14-Month CD
4.05%
$500
Homeland Community Bank
Homeland Community Bank
18-Month CD (special)
4.00%
$500
Liberty Bank Poulsbo, WA
Liberty Bank Poulsbo, WA
18-Month CD (Jumbo)
3.92%
$10,000
First FSB of Kentucky
First FSB of Kentucky
13-Month CD
3.80%
$500
First National Bank in Philip
First National Bank in Philip
36-Month CD
3.80%
$1,000
Premier Bank Omaha, NE
Premier Bank Omaha, NE
36-Month CD
3.80%
$500
First State Bank Tahlequah, OK
First State Bank Tahlequah, OK
18-Month CD
3.75%
$1,000
Grand Valley Bank
Grand Valley Bank
12-Month CD
3.75%
$500
Academy Bank
Academy Bank
24-Month CD
3.29%
$500
Interstate Bank
Interstate Bank
24-Month CD
3.29%
$500
NBT Financial Bank
NBT Financial Bank
12-Month CD
3.29%
$1,000
SouthStar Bank
SouthStar Bank
36-Month CD
3.09%
$1,000
Blue Foundry Bank
Blue Foundry Bank
Blue Axis Money Market
3.00%
$1,000,000
Century Bank Santa Fe, NM
Century Bank Santa Fe, NM
60-Month CD
3.00%
$1,000
Yampa Valley Bank
Yampa Valley Bank
Prime Savings
2.99%
$3,000
Bayer Heritage Federal Credit Union
Bayer Heritage Federal Credit Union
36-Month CD
2.79%
$100
Farmers Savings Bank Mineral Point, WI
Farmers Savings Bank Mineral Point, WI
12-Month CD
2.50%
$2,500
Farmers Bank Buhl, ID
Farmers Bank Buhl, ID
36-Month CD
2.42%
$500
Institution for Savings
Institution for Savings
24-Month CD
2.25%
$500
Park Bank
Park Bank
36-Month CD
1.98%
$2,500
FNB Community Bank
FNB Community Bank
12-Month CD
1.96%
$1,000
Security Bank Laurel, NE
Security Bank Laurel, NE
24-Month CD
1.76%
$1,000
Bank of Herrin
Bank of Herrin
48-Month CD
1.53%
$1,000
First National Bank VA
First National Bank VA
60-Month CD
1.51%
$500
Vystar Credit Union
Vystar Credit Union
Money Market
1.50%
$250,000
UniBank for Savings
UniBank for Savings
24-Month CD
1.25%
$500
First National Bank in Amboy
First National Bank in Amboy
12-Month CD
1.21%
$1,000
Fulton Bank
Fulton Bank
48-Month CD
1.01%
$1,000
Nevada B&T Co.
Nevada B&T Co.
Money Market
1.00%
$2,500
Peoples Bank of Kankakee County
Peoples Bank of Kankakee County
Money Market
0.75%
$0
Security Bank of Southwest Missouri
Security Bank of Southwest Missouri
Money Checking
0.65%
$25,000
Kearney Trust Company
Kearney Trust Company
Savings
0.50%
$0
BrioDirect
BrioDirect
60-Month CD
0.45%
$500
Farmers State Bank Waterloo, IA
Farmers State Bank Waterloo, IA
36-Month CD
0.40%
$2,500
National Iron Bank
National Iron Bank
60-Month CD
0.40%
$10,000
Arvest Bank
Arvest Bank
Savings
0.25%
$100
Millville Savings Bank
Millville Savings Bank
24-Month CD
0.20%
$1,000
United Orient Bank
United Orient Bank
Passbook Savings
0.20%
$100
GSB Guilford Savings Bank
36-Month CD
0.10%
$1,000
BankOrion
BankOrion
Money Market
0.05%
$0
NCS Bank
NCS Bank
Savings
0.05%
$10
Genoa Banking Company
Money Market
0.05%
$1,000
PNC Bank
PNC Bank
60-Month CD
0.02%
$1,000
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 July 22, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
4.990%
5.353%
2.000
5.500%
5.540%
0.000
15 Year Fixed
5.500%
5.568%
0.000
5.500%
5.614%
0.000
6.500%
5.650%
0.000
5.500%
5.694%
0.250
5.500%
5.702%
1.000
5.500%
5.716%
0.500
5.500%
5.752%
0.000
5.550%
5.769%
0.000
15-Year Fixed
5.625%
5.777%
0.000
5.625%
5.777%
0.500
5.500%
5.803%
1.125
15-Year Fixed
5.750%
5.806%
0.000
5.500%
5.820%
0.000
5.625%
5.827%
0.000
5.625%
5.831%
0.000
5.750%
5.834%
0.000
5.750%
5.854%
0.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
5.500%
5.888%
1.875
6.000%
5.892%
0.000
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:
$421,060,000
Total Deposits:
$316,457,000
Equity Capital:
$73,571,000
Domestic Deposits:
$316,457,000
Net Income:
$1,425,000
Return on Assets:
1.2471%
Quarterly Return on Assets:
1.3400%
Pretax Return on Assets:
1.7072%
Pretax Quarterly Return on Assets:
1.7100%
Return on Equity:
7.2000%
Quarterly Return on Equity:
7.6800%
Leverage Tier 1 (Core Capital) Ratio:
17.3190%
Total Interest Income (YTD):
3.2631%
 
 
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

Explore Other Rate Deals

My e-BAnC by BAC Florida Bank 3 Year CD rates are now at 1.44 percent with a yield of 1.45 percent. View the current 3 Year CD rates at My e-BAnC by BAC Florida Bank below.
CD rates are not expected to increase much this year because the Federal Reserve is keeping their key benchmark interest rate, the federal funds rate, near zero percent. The federal funds rate is the interest rate at which banks trade (lend) balances to each other, usually overnight. These funds are held at the Federal Reserve and the Federal Reserve sets the fed funds rate, which is currently in a targeted range of zero to one quarter percent.
Current savings rates and money market rates are stable this week. The highest deposit rates remain near 1.00 percent while average rates remain low. For over a year now, we have been writing about the Federal Reserve increasing the federal funds rate, their key benchmark interest rate. We won't see banks and credit unions increasing deposit rates until the Fed increases the fed funds rate. Well, we may see higher rates sooner than expected.

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