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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Merchants & Citizens Bank Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 23, 2026
You can compare Merchants & Citizens Bank rates to other rates in our database, including 12-month CD rates currently at 0.45%, 6-month CD rates at 2.40% and 3-month CD rates at 0.10%. Savings rates are at 0.10% and money market rates are at 0.60%. Mortgage rates on 30-year fixed loans are around 6.32%. All these rates can be compared to Merchants & Citizens Bank rates. MonitorBankRates evaluates the financial stability of Merchants & Citizens Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.31%. Rates were last updated on 04/23/2026. Merchants & Citizens 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 Merchants & Citizens Bank? Share your experience about Merchants & Citizens Bank by leaving a review below, or read customer reviews before you decide to use Merchants & Citizens Bank. 
Current Rate AvailabilityWe do not have Merchants & Citizens Bank rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Merchants & Citizens Bank 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 Merchants & Citizens Bank 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 Merchants & Citizens Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Merchants & Citizens Bank
Bank Holding Company
M&C BANCSHARES INC
Address
6 College St,
Mcrae, GA 31055 · Telfair
FDIC Certificate #
183
Established
02/23/1929
FDIC Insurance Date
01/01/1934
Domestic Offices
1
Total Branches
1
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.31%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.6484%
Return on Equity (ROE)
7.6800%
Non-Performing Loans (NPL)
0.02%
Total Assets
$137,634,000
Total Deposits
$121,213,000
Equity Capital
$14,481,000
Net Income
$576,000
Headquarters
Mcrae
Total Offices
1
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Merchants & Citizens BankIs Merchants & Citizens Bank a safe place to deposit money?Yes, Merchants & Citizens Bank is considered a safe financial institution. With a Texas Ratio of 0.31174229303776%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Merchants & Citizens Bank operate?Merchants & Citizens Bank currently maintains approximately 1 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, Merchants & Citizens Bank 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, Merchants & Citizens Bank provides members with tools to manage their accounts and build a solid financial history. Does Merchants & Citizens Bank offer online and mobile banking?Most modern institutions like Merchants & Citizens Bank 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.merchantsandcitizensbank.com. Compare to Other Banks
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