Citizens Union Savings Bank

4 South Main Street
Fall River, MA 02721
508-678-7641
www.citizensunionbank.com

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Citizens~Union Savings Bank has been providing a wide range of financial services to the people and businesses of southeastern Massachusetts and Rhode Island since 1851. For all your financial needs - Feel the Freedom at Citizens~Union Savings Bank.

High-Yield Reward Checking Account at Citizens Union Savings Bank in MA & RI - Local Only - 8/16/2009

Citizens Union Savings Bank is offering a reward checking account called Active Checking. The account offers the following rates and features if certain monthly requirements are met:3.33% APY on balances up to $25,0001.25% APY on the portion of the...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Citizens Union Savings Bank Checking Account Rates

Apy	Min	Max	Product
2.22%	-	$25k	Active Checking
0.05%	$500	-	NOW Checking
0.05%	$500	-	Preferred NOW Checking

Citizens Union Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Passbook Savings
0.15%	-	-	Statement Savings
0.15%	-	-	Holiday Club Savings

Citizens Union Savings Bank Money Market Rates

Apy	Min	Max	Product
0.45%	$100k	-	Super Consumer Money Market
0.45%	$100k	-	Super Business Money Market
0.40%	$50k	-	High Yield Access
0.40%	$50k	-	Business Access
0.20%	$1k	-	Money Market Access

Citizens Union Savings Bank CD Rates

Apy	Min	Max	Product
1.51%	$500	-	4 - 5 Year CD
1.21%	$500	-	3 Year CD
1.00%	$500	-	2 Year CD
0.80%	$500	-	18 Month Special CD
0.60%	$500	-	1 Year CD
0.45%	$500	-	7 Month Special CD
0.40%	$500	-	182 - 272 Day CD
0.40%	$500	-	273 - 364 Day CD
0.30%	$500	-	91 - 181 Day CD
0.20%	$500	-	30 - 90 Day CD

Citizens Union Savings Bank IRA Rates

	Apy	Min	Max	Product
	0.40%	$100	-	18 Month Variable IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Citizens-Union Savings Bank
FDIC Certificate #	90196
BankRate Report	View
Year Established	1851
Employees	253
Primary Regulator	FDIC
Assets and Liabilities
Assets	$902.13 million
Loans	$646.62 million
Deposits	$737.60 million
Equity Capital	$75.21 million
Loan Loss Allowance	$4.43 million
Unbacked Noncurrent Loans	$7.76 million
Real Estate Owned	$864,000
Historic Data - September 2010
Assets	$721.07 million
Equity Capital	$59.57 million
Loan Loss Allowance	$4.53 million
Unbacked Noncurrent Loans	$956,000
Real Estate Owned	$2.17 million
Profit Margin - Quarterly
Net Interest Margin	3.8%
Return on Assets	0.41%
Return on Equity	4.84%
Interest Income	$28.64 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Citizens Union Savings Bank had $8.62 million in non-current loans and owned real-estate with $79.64 million in equity and loan loss allowances on hand to cover it. This gives Citizens Union Savings Bank a Texas Ratio of 10.83% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Citizens Union Savings Bank increased slightly from 4.87% as of September 30, 2010 to 10.83% as of September 30, 2011, resulting in a negative change of 122.35%. This indicates that the balance sheet and financial strength for Citizens Union Savings Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Citizens Union Savings Bank has increased its total deposits by $174.94 million, resulting in 31.09% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens Union Savings Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens Union Savings Bank has $902.13 million in assets with $79.64 million in equity, resulting in a capitalization level of 8.83%, which is average.