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

Current rates for The Citizens Bank Company include: 12-Month CD: 3.29%, 18-Month CD: 1.97%, 24-Month CD: 2.03%, 36-Month CD: 1.46%, 48-Month CD: 2.52%, 60-Month CD: 2.02%, Savings: 0.25%

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The Citizens Bank Company

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The Citizens Bank Company Rates & Review September 2026

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: September 19, 2026

The Citizens Bank Company's 9-Month CD rates are at 3.89%, 9-Month CD rates are at 3.81%, 9-Month CD rates are at 3.75%, 9-Month CD rates are at 3.67%, 9-Month CD rates are at 3.63%. The Citizens Bank Company's savings rates are at 0.25%. 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 09/19/2026.

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

The Citizens Bank Company CD Rates

Product	Rate	APY	Term
9 Month CD	3.83%	3.89%	9 Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
9 Month CD	3.76%	3.81%	9 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
9 Month CD	3.70%	3.75%	9 Month
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
9 Month CD	3.62%	3.67%	9 Month
Min Deposit $5,000 Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
9 Month CD	3.58%	3.63%	9 Month
Min Deposit $5,000 Min Balance $0 Details Balance: $0.00-$9,999.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12 Month CD	3.50%	3.55%	12 Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12 Month CD	3.43%	3.47%	12 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12 Month IRA Certificate	3.43%	3.47%	12 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12 Month CD	3.37%	3.41%	12 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12 Month CD	3.29%	3.33%	12 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12 Month CD	3.25%	3.29%	12 Month
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00-$9,999.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48 Month CD	2.75%	2.78%	48 Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48 Month CD	2.68%	2.71%	48 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48 Month IRA Certificate	2.68%	2.71%	48 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48 Month CD	2.62%	2.65%	48 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48 Month CD	2.54%	2.56%	48 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48 Month CD	2.50%	2.52%	48 Month
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00-$9,999.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24 Month CD	2.26%	2.28%	24 Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60 Month CD	2.25%	2.27%	60 Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18 Month CD	2.21%	2.23%	18 Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
182 Day CD	2.21%	2.23%	182 Day
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24 Month CD	2.19%	2.21%	24 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24 Month IRA Certificate	2.19%	2.21%	24 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60 Month CD	2.18%	2.20%	60 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18 Month CD	2.14%	2.16%	18 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
182 Day CD	2.14%	2.16%	182 Day
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
182 Day IRA Certificate	2.14%	2.16%	182 Day
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24 Month CD	2.13%	2.15%	24 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60 Month CD	2.12%	2.14%	60 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18 Month CD	2.08%	2.10%	18 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
182 Day CD	2.08%	2.10%	182 Day
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24 Month CD	2.05%	2.07%	24 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60 Month CD	2.04%	2.06%	60 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24 Month CD	2.01%	2.03%	24 Month
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00-$9,999.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18 Month CD	2.00%	2.02%	18 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
182 Day CD	2.00%	2.02%	182 Day
Min Deposit $5,000 Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60 Month CD	2.00%	2.02%	60 Month
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00-$9,999.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18 Month CD	1.96%	1.97%	18 Month
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00-$9,999.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
182 Day CD	1.96%	1.97%	182 Day
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00-$9,999.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36 Month CD	1.70%	1.71%	36 Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36 Month CD	1.63%	1.64%	36 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36 Month IRA Certificate	1.63%	1.64%	36 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36 Month CD	1.57%	1.58%	36 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36 Month CD	1.49%	1.50%	36 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36 Month CD	1.45%	1.46%	36 Month
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00-$9,999.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
91 Day CD	1.37%	1.38%	91 Day
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
91 Day CD	1.30%	1.31%	91 Day
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
91 Day CD	1.24%	1.25%	91 Day
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
91 Day CD	1.16%	1.17%	91 Day
Min Deposit $5,000 Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
91 Day CD	1.12%	1.12%	91 Day
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00-$9,999.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

The Citizens Bank Company Savings Rates

Product	Rate	APY
Savings Account	1.00%	1.00%
Min Balance $500,000 Details Balance: $500,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Savings Account	0.75%	0.75%
Min Balance $250,000 Details Balance: $250,000.00-$499,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Savings Account	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000.00-$249,000.00 Last Updated 09/19/2026 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Savings Account	0.25%	0.25%
Min Balance $75 Details Balance: $75.00-$99,999.99 Last Updated 09/19/2026 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 09/19/2026 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 09/19/2026 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 09/19/2026 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 09/19/2026 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Institution Name The Citizens Bank Company

Bank Holding Company MUSKINGUM VALLEY BANCSHARES

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

Website https://www.thecitizens.com

FDIC Certificate # 10266

Established 18630101

FDIC Insurance Date 19340101

Domestic Offices 5

Total Branches 5

Regulator FDIC

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

1.77%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4575%

Return on Equity (ROE) 11.9600%

Non-Performing Loans (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 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

The Citizens Bank Company earned the Verified Healthy badge

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Frequently Asked Questions About The Citizens Bank Company

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.