What are the current interest rates at Citizens-Farmers Bank of Cole Camp?

Current rates for Citizens-Farmers Bank of Cole Camp include: 12-Month CD: 3.63%, 18-Month CD: 3.04%, 24-Month CD: 3.02%, 36-Month CD: 2.77%, 48-Month CD: 2.52%, 60-Month CD: 2.52%, Savings: 0.65%, MMA: 0.75%

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Citizens-Farmers Bank of Cole Camp

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Citizens-Farmers Bank of Cole Camp Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens-Farmers Bank of Cole Camp 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

Citizens-Farmers Bank of Cole Camp's 9-Month CD rates are at 3.79%, 12-Month CD rates are at 3.63%, 18-Month CD rates are at 3.28%, 18-Month Variable IRA rates are at 3.04%, 24-Month CD rates are at 3.02%. Citizens-Farmers Bank of Cole Camp's savings rates are at 0.65%. Citizens-Farmers Bank of Cole Camp's money market rates are at 0.75%. MonitorBankRates evaluates the financial stability of Citizens-Farmers Bank of Cole Camp with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.78%. Rates last updated and verified on 09/19/2026.

Citizens-Farmers Bank of Cole Camp 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 Citizens-Farmers Bank of Cole Camp? Share your experience about Citizens-Farmers Bank of Cole Camp by leaving a review below, or read customer reviews before you decide to use Citizens-Farmers Bank of Cole Camp.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.78%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

The Citizens-Farmers Bank of Cole Camp

121 E Main St
Cole Camp, MO 65325

https://www.citizensfarmersbank.com

Citizens-Farmers Bank of Cole Camp CD Rates

Product	Rate	APY	Term
9 Month CD	3.75%	3.79%	9 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
12 Month CD	3.60%	3.63%	12 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
18 Month CD	3.25%	3.28%	18 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
18 Month Variable IRA	3.00%	3.04%	18 Month
Details Variable Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
24 Month CD	3.00%	3.02%	24 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
30 Month CD	2.75%	2.77%	30 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
36 Month CD	2.75%	2.77%	36 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
48 Month CD	2.50%	2.52%	48 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
60 Month CD	2.50%	2.52%	60 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
6 Month CD	1.50%	1.51%	6 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
3 Month CD	1.00%	1.00%	3 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

Citizens-Farmers Bank of Cole Camp Savings Rates

Product	Rate	APY
Christmas Club	0.65%	0.65%
Min Deposit $1 Min Balance $1 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Regular Savings	0.65%	0.65%
Min Deposit $10 Min Balance $1 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

Citizens-Farmers Bank of Cole Camp Money Market Rates

Product	Rate	APY
Money Market Account	1.50%	1.51%
Min Deposit $100 Min Balance $50,000 Details Balance over $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Money Market Account	1.25%	1.26%
Min Deposit $100 Min Balance $25,000 Details Balance over $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Money Market Account	1.00%	1.00%
Min Deposit $100 Min Balance $1,000 Details Balance over $1,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Money Market Account	0.75%	0.75%
Min Deposit $100 Min Balance $1 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

Citizens-Farmers Bank of Cole Camp Checking Rates

Product	Rate	APY	View More
Interest-Bearing Checking Account	0.65%	0.65%
Min Deposit $100 Min Balance $1 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

Citizens-Farmers Bank of Cole Camp Other Rates

Product	Rate	Points	APY/APR	Term	View More
HomeTown Plus Account	0.65%	-	0.65%
Min Deposit $0 Min Balance $750 Details Minimum: Account no longer offered Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

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

Citizens-Farmers Bank of Cole Camp’s Texas Ratio rose from 5.27% in Q3 2023 to 8.78% in Q2 2026, so its financial health has weakened 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	$207M	8.78%	5.0	A
March 31, 2026	$209M	10.18%	5.0	A
December 31, 2025	$196M	9.22%	5.0	A
September 30, 2025	$200M	10.21%	5.0	A
June 30, 2025	$202M	8.10%	5.0	A
March 31, 2025	$196M	8.08%	5.0	A
December 31, 2024	$186M	8.56%	5.0	A
September 30, 2024	$186M	5.93%	5.0	A+
June 30, 2024	$183M	5.75%	5.0	A+
March 31, 2024	$180M	4.84%	5.0	A+
December 31, 2023	$181M	4.78%	5.0	A+
September 30, 2023	$178M	5.27%	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 Citizens-Farmers Bank of Cole Camp 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 Citizens-Farmers Bank of Cole Camp 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 Citizens-Farmers Bank of Cole Camp's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens-Farmers Bank of Cole Camp

FDIC Certificate # 11463

Address 121 E Main St, Cole Camp, MO 65325 · Benton

Website https://www.citizensfarmersbank.com

Established 19290329

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 2

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

8.78%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.1172%

Return on Equity (ROE) 14.6900%

Non-Performing Loans (NPL) 0.86%

Total Assets $206,969,000

Total Deposits $175,260,000

Equity Capital $30,377,000

Net Income $2,159,000

Headquarters Cole Camp

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Citizens-Farmers Bank of Cole Camp earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Citizens-Farmers Bank of Cole Camp

How many branches does Citizens-Farmers Bank of Cole Camp operate?

Citizens-Farmers Bank of Cole Camp currently maintains approximately 2 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, Citizens-Farmers Bank of Cole Camp 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, Citizens-Farmers Bank of Cole Camp provides members with tools to manage their accounts and build a solid financial history.

Does Citizens-Farmers Bank of Cole Camp offer online and mobile banking?

Most modern institutions like Citizens-Farmers Bank of Cole Camp 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.citizensfarmersbank.com.