What are the current interest rates at The Citizens Bank Company?

Current rates for The Citizens Bank Company include: 12-Month CD: 4.06%, 18-Month CD: 3.70%, 24-Month CD: 3.09%, 36-Month CD: 1.71%, 48-Month CD: 2.78%, 60-Month CD: 2.02%, Savings: 1.00%

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The Citizens Bank Company Rates & Review November 2026

Q: What CD terms does The Citizens Bank Company offer?

The Citizens Bank Company CD rates are 4.06% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.09% APY for a 2 year CD, 1.71% APY for a 3 year CD, 2.78% APY for a 4 year CD and 2.02% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with The Citizens Bank Company for its full lineup.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Citizens Bank Company 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: November 6, 2026

The Citizens Bank Company's 12-Month CD rates are at 4.06%, 18-Month CD rates are at 3.70%, 24-Month CD rates are at 3.09%, 48-Month CD rates are at 2.78%, 60-Month CD rates are at 2.02%. The Citizens Bank Company's savings rates are at 1.00%. The Citizens Bank Company's checking rates are as high as 1.00%. The Citizens Bank Company's top CD rate of 4.06% APY on a 12 month CD is 34% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of The Citizens Bank Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.77%. Rates last updated and verified on 11/06/2026.

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

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

1.77%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Citizens Bank Company

501 5th St
Beverly, OH 45715

https://www.thecitizens.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

The Citizens Bank Company CD Rates

Product	Rate	APY	Term	Min. Deposit
12-Month CD	4.00%	4.06%	12 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12-Month CD	4.00%	4.06%	12 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 3.33% → 4.06% ▲ 0.73 pts · high 4.06% / low 3.33% Oct 7, 20264.06%▲ from 3.33% Sep 11, 20263.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12-Month CD	4.00%	4.06%	12 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 3.41% → 4.06% ▲ 0.65 pts · high 4.06% / low 3.41% Oct 7, 20264.06%▲ from 3.41% Sep 11, 20263.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12-Month CD	4.00%	4.06%	12 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 3.47% → 4.06% ▲ 0.59 pts · high 4.06% / low 3.47% Oct 7, 20264.06%▲ from 3.47% Sep 11, 20263.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12-Month CD	4.00%	4.06%	12 months	$1,000
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 3.55% → 4.06% ▲ 0.51 pts · high 4.06% / low 3.55% Oct 7, 20264.06%▲ from 3.55% Sep 19, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12-Month IRA	4.00%	4.06%	12 months	$1,000
Min Deposit $1,000 Details The minimum opening balance for all certificates is $1,000.00. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly. Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 3.47% → 4.06% ▲ 0.59 pts · high 4.06% / low 3.47% Oct 7, 20264.06%▲ from 3.47% Sep 11, 20263.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18-Month CD	3.65%	3.70%	18 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18-Month CD	3.65%	3.70%	18 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.02% → 3.70% ▲ 1.68 pts · high 3.70% / low 2.02% Oct 7, 20263.70%▲ from 2.02% Sep 11, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18-Month CD	3.65%	3.70%	18 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.10% → 3.70% ▲ 1.60 pts · high 3.70% / low 2.10% Oct 7, 20263.70%▲ from 2.10% Sep 11, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18-Month CD	3.65%	3.70%	18 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.16% → 3.70% ▲ 1.54 pts · high 3.70% / low 2.16% Oct 7, 20263.70%▲ from 2.16% Sep 11, 20262.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18-Month CD	3.65%	3.70%	18 months	$1,000
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 2.23% → 3.70% ▲ 1.47 pts · high 3.70% / low 2.23% Oct 7, 20263.70%▲ from 2.23% Sep 19, 20262.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
182 Day CD	3.65%	3.70%	182 days	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
182 Day CD	3.65%	3.70%	182 days	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.02% → 3.70% ▲ 1.68 pts · high 3.70% / low 2.02% Oct 7, 20263.70%▲ from 2.02% Sep 11, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
182 Day CD	3.65%	3.70%	182 days	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.10% → 3.70% ▲ 1.60 pts · high 3.70% / low 2.10% Oct 7, 20263.70%▲ from 2.10% Sep 11, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
182 Day CD	3.65%	3.70%	182 days	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.16% → 3.70% ▲ 1.54 pts · high 3.70% / low 2.16% Oct 7, 20263.70%▲ from 2.16% Sep 11, 20262.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
182 Day CD	3.65%	3.70%	182 days	$1,000
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 2.23% → 3.70% ▲ 1.47 pts · high 3.70% / low 2.23% Oct 7, 20263.70%▲ from 2.23% Sep 19, 20262.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24-Month CD	3.05%	3.09%	24 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.09% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24-Month CD	3.05%	3.09%	24 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.07% → 3.09% ▲ 1.02 pts · high 3.09% / low 2.07% Oct 7, 20263.09%▲ from 2.07% Sep 11, 20262.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24-Month CD	3.05%	3.09%	24 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.15% → 3.09% ▲ 0.94 pts · high 3.09% / low 2.15% Oct 7, 20263.09%▲ from 2.15% Sep 11, 20262.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24-Month CD	3.05%	3.09%	24 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.21% → 3.09% ▲ 0.88 pts · high 3.09% / low 2.21% Oct 7, 20263.09%▲ from 2.21% Sep 11, 20262.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24-Month CD	3.05%	3.09%	24 months	$1,000
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 2.28% → 3.09% ▲ 0.81 pts · high 3.09% / low 2.28% Oct 7, 20263.09%▲ from 2.28% Sep 19, 20262.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24-Month IRA	3.05%	3.09%	24 months	$1,000
Min Deposit $1,000 Details The minimum opening balance for all certificates is $1,000.00. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly. Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.21% → 3.09% ▲ 0.88 pts · high 3.09% / low 2.21% Oct 7, 20263.09%▲ from 2.21% Sep 11, 20262.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48-Month CD	2.75%	2.78%	48 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; 48-Month C/D Special; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48-Month CD	2.75%	2.78%	48 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; 48-Month C/D Special; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.56% → 2.78% ▲ 0.22 pts · high 2.78% / low 2.56% Oct 7, 20262.78%▲ from 2.56% Sep 11, 20262.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48-Month CD	2.75%	2.78%	48 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; 48-Month C/D Special; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.65% → 2.78% ▲ 0.13 pts · high 2.78% / low 2.65% Oct 7, 20262.78%▲ from 2.65% Sep 11, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48-Month CD	2.75%	2.78%	48 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; 48-Month C/D Special; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.71% → 2.78% ▲ 0.07 pts · high 2.78% / low 2.71% Oct 7, 20262.78%▲ from 2.71% Sep 11, 20262.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48-Month CD	2.75%	2.78%	48 months	$1,000
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000.00; 48-Month C/D Special; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 2.78% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48-Month IRA	2.75%	2.78%	48 months	$1,000
Min Deposit $1,000 Details The minimum opening balance for all certificates is $1,000.00. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly. Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.71% → 2.78% ▲ 0.07 pts · high 2.78% / low 2.71% Oct 7, 20262.78%▲ from 2.71% Sep 11, 20262.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60-Month CD	2.00%	2.02%	60 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60-Month CD	2.00%	2.02%	60 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.06% → 2.02% ▼ 0.04 pts · high 2.06% / low 2.02% Oct 7, 20262.02%▼ from 2.06% Sep 11, 20262.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60-Month CD	2.00%	2.02%	60 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.14% → 2.02% ▼ 0.12 pts · high 2.14% / low 2.02% Oct 7, 20262.02%▼ from 2.14% Sep 11, 20262.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60-Month CD	2.00%	2.02%	60 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.20% → 2.02% ▼ 0.18 pts · high 2.20% / low 2.02% Oct 7, 20262.02%▼ from 2.20% Sep 11, 20262.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60-Month CD	2.00%	2.02%	60 months	$1,000
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000.00 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 2.27% → 2.02% ▼ 0.25 pts · high 2.27% / low 2.02% Oct 7, 20262.02%▼ from 2.27% Sep 19, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36-Month CD	1.70%	1.71%	36 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36-Month CD	1.70%	1.71%	36 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 1.50% → 1.71% ▲ 0.21 pts · high 1.71% / low 1.50% Oct 7, 20261.71%▲ from 1.50% Sep 11, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36-Month CD	1.70%	1.71%	36 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 1.58% → 1.71% ▲ 0.13 pts · high 1.71% / low 1.58% Oct 7, 20261.71%▲ from 1.58% Sep 11, 20261.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36-Month CD	1.70%	1.71%	36 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 1.64% → 1.71% ▲ 0.07 pts · high 1.71% / low 1.64% Oct 7, 20261.71%▲ from 1.64% Sep 11, 20261.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36-Month CD	1.70%	1.71%	36 months	$1,000
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 1.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36-Month IRA	1.70%	1.71%	36 months	$1,000
Min Deposit $1,000 Details The minimum opening balance for all certificates is $1,000.00. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly. Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 1.64% → 1.71% ▲ 0.07 pts · high 1.71% / low 1.64% Oct 7, 20261.71%▲ from 1.64% Sep 11, 20261.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
91 Day CD	1.37%	1.38%	91 days	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 1.38% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
91 Day CD	1.37%	1.38%	91 days	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 1.17% → 1.38% ▲ 0.21 pts · high 1.38% / low 1.17% Oct 7, 20261.38%▲ from 1.17% Sep 11, 20261.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
91 Day CD	1.37%	1.38%	91 days	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 1.25% → 1.38% ▲ 0.13 pts · high 1.38% / low 1.25% Oct 7, 20261.38%▲ from 1.25% Sep 11, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
91 Day CD	1.37%	1.38%	91 days	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 1.31% → 1.38% ▲ 0.07 pts · high 1.38% / low 1.31% Oct 7, 20261.38%▲ from 1.31% Sep 11, 20261.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
91 Day CD	1.37%	1.38%	91 days	$1,000
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000.00; Interest can be compounded quarterly Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 1.38% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

The Citizens Bank Company Savings Rates

Product	Rate	APY
Savings Accounts	1.00%	1.00%
Min Balance $500,000 Details Balance: $500,000 and over Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Savings Accounts	0.75%	0.75%
Min Balance $250,000 Details Balance: $250,000.00-$499,000.00 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Savings Accounts	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000.00-$249,000.00 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Health Savings	0.25%	0.25%
Details Eligibility Required; Interest computation method - daily balance; Rate shown for this account may change after the account is opened; Fees charged against this account could reduce earnings Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Savings Accounts	0.25%	0.25%
Min Balance $75 Details Balance: $75.00-$99,999.99 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

The Citizens Bank Company Checking Rates

Product	Rate	APY
Interest Bearing Checking	1.00%	1.00%
Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Interest Bearing Checking	0.75%	0.75%
Min Balance $250,000 Details Balance: $250,000.00- $499,999.99 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Interest Bearing Checking	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Interest Bearing Checking	0.25%	0.25%
Min Balance $100 Details Balance: $100.00 - $99,999.99 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

The Citizens Bank Company Other Rates

Product	Rate	Points	APY/APR	Term	View More
182 Day IRA	3.65%	-	3.70%	182 days
Min Deposit $1,000 Details The minimum opening balance for all certificates is $1,000.00. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly. Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 2.16% → 3.70% ▲ 1.54 pts · high 3.70% / low 2.16% Oct 7, 20263.70%▲ from 2.16% Sep 11, 20262.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

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

The Citizens Bank Company’s Texas Ratio rose from 1.04% in Q3 2023 to 1.77% in Q2 2026, so its financial health has stayed 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	$335M	1.77%	5.0	A+
March 31, 2026	$330M	1.78%	5.0	A+
December 31, 2025	$331M	1.47%	5.0	A+
September 30, 2025	$332M	1.62%	5.0	A+
June 30, 2025	$332M	1.86%	5.0	A+
March 31, 2025	$322M	1.82%	5.0	A+
December 31, 2024	$321M	0.31%	5.0	A+
September 30, 2024	$321M	0.42%	5.0	A+
June 30, 2024	$314M	0.31%	5.0	A+
March 31, 2024	$304M	0.33%	5.0	A+
December 31, 2023	$305M	0.74%	5.0	A+
September 30, 2023	$304M	1.04%	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 The Citizens Bank Company 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 The Citizens Bank Company 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 The Citizens Bank Company's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name The Citizens Bank Company

Website https://www.thecitizens.com

Address 501 5th St, Beverly, OH 45715 · Washington

Bank Holding Company MUSKINGUM VALLEY BANCSHARES

FDIC Certificate # 10266

Regulator FDIC

Established January 1, 1863

FDIC Insurance Date January 1, 1934

Domestic Offices 5

Total Branches 5

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.77%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.4575%

Return on Equity (ROE)

11.9600%

Non-Performing Loans Ratio (NPL)

0.22%

Total Assets

$334,640,000

Total Deposits

$291,041,000

Equity Capital

$41,758,000

Net Income

$2,418,000

Headquarters

Beverly

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

The Citizens Bank Company earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About The Citizens Bank Company

Does The Citizens Bank Company offer CDs?

Yes. The Citizens Bank Company current CD rates include its 12-Month CD at 4.06% APY, its 18-Month CD at 3.70% APY and its 24-Month CD at 3.09% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from The Citizens Bank Company FDIC insured?

Yes. The Citizens Bank Company is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at The Citizens Bank Company?

The highest The Citizens Bank Company CD rate is its 12-Month CD at 4.06% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does The Citizens Bank Company offer?

The Citizens Bank Company CD rates are 4.06% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.09% APY for a 2 year CD, 1.71% APY for a 3 year CD, 2.78% APY for a 4 year CD and 2.02% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with The Citizens Bank Company for its full lineup.

What is the highest savings rate at The Citizens Bank Company?

The highest The Citizens Bank Company savings rate is its Savings Accounts at 1.00% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at The Citizens Bank Company?

The highest The Citizens Bank Company checking rate is its Interest Bearing Checking at 1.00% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does The Citizens Bank Company operate?

The Citizens Bank Company currently maintains approximately 5 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, The Citizens Bank Company 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, The Citizens Bank Company provides members with tools to manage their accounts and build a solid financial history.

Does The Citizens Bank Company offer online and mobile banking?

Most modern institutions like The Citizens Bank Company 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.thecitizens.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do The Citizens Bank Company rates compare?

The Citizens Bank Company's top CD rate of 4.06% APY on a 12 month CD is 34% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. The Citizens Bank Company's top rates are its 12-Months 12-Month CD at 4.06% APY, its Savings Accounts at 1.00% APY and its Interest Bearing Checking at 1.00% APY, verified by MonitorBankRates on November 6, 2026.

Current The Citizens Bank Company Rates

12-Month CD4.06%
18-Month CD3.70%
24-Month CD3.09%
36-Month CD1.71%
48-Month CD2.78%
60-Month CD2.02%
Savings1.00%

Retrieved from our database of financial products. Rates subject to change.

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The Citizens Bank Company Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

The Citizens Bank Company Texas Ratio

The Citizens Bank Company Health Trend

The Citizens Bank Company CD Rates

The Citizens Bank Company Savings Rates

The Citizens Bank Company Checking Rates

The Citizens Bank Company Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

The Citizens Bank Company earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About The Citizens Bank Company

Does The Citizens Bank Company offer CDs?

Are CDs from The Citizens Bank Company FDIC insured?

What is the highest CD rate at The Citizens Bank Company?

What CD terms does The Citizens Bank Company offer?

What is the highest savings rate at The Citizens Bank Company?

What is the highest checking rate at The Citizens Bank Company?

How many branches does The Citizens Bank Company operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does The Citizens Bank Company offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do The Citizens Bank Company rates compare?

Current The Citizens Bank Company Rates

Compare to Other Banks