Citizens Bank (TN)


Overview / Commentary
423-543-2265
300 Broad Street
Elizabethton, TN 37643

Citizens Bank (TN) is headquartered in ELIZABETHTON and is the 25th largest bank in the state of Tennessee. It is also the 829th largest bank in the nation. It was established in 1934 and as of March of 2025, it had grown to 234 employees at 14 locations. Citizens Bank (TN)'s money market rates are 8X the national average, and it boasts an A+ health rating.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #14851
Year Established1934
Employees234
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.6%
Return on Equity - YTD12.07%
Annual Interest Income$19.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.31B$1.24B
LoansQ1 2025vs Q1 2024$1B$966.7MM
DepositsQ1 2025vs Q1 2024$1.11B$1.05B
Equity CapitalQ1 2025vs Q1 2024$171.3MM$168MM
Loan Loss AllowanceQ1 2025vs Q1 2024$10.3MM$9.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$6.6MM$7.5MM
Real Estate OwnedQ1 2025vs Q1 2024$0$511K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Citizens Bank (TN); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens Bank (TN) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$500k*-Business Sweep
OTHER TIERS: 0.50% $2.5k - $10k | 0.85% $10k - $25k | 1.25% $25k - $50k | 2.00% $50k - $100k | 3.00% $100k - $250k | 3.20% $250k - $500k
0.35%*$10k*-HSA - Family & Individual
OTHER TIERS: 0.10% $0 - $1k | 0.20% $1k - $5k | 0.30% $5k - $10k
0.30%$100-EZ Savings
0.30%$0-Business Savings

Citizens Bank (TN) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$500k*-Citizens Preferred Money Fund
OTHER TIERS: 0.50% $2.5k - $10k | 0.85% $10k - $25k | 1.25% $25k - $50k | 2.00% $50k - $100k | 3.00% $100k - $250k | 3.20% $250k - $500k
3.50%*$500k*-Business Money Fund
OTHER TIERS: 0.50% $2.5k - $10k | 0.85% $10k - $25k | 1.25% $25k - $50k | 2.00% $50k - $100k | 3.00% $100k - $250k | 3.20% $250k - $500k

Citizens Bank (TN) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$0$25kWOW Rate E-Checking
OTHER TIERS: 0.50% $25k+
0.40%*$500k*-Reward Interest Checking
OTHER TIERS: 0.05% $0 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $200k | 0.30% $200k - $500k
0.30%*$50k*-Business Interest Checking
OTHER TIERS: 0.13% $5k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k

Citizens Bank (TN) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%$2.5k-7 Month CD Special
4.20%$2.5k-Business 7 Month CD Special
4.00%$2.5k-13 Month CD Special
4.00%$2.5k-Business 13 Month CD Special
3.75%$2.5k-12 Month CD
3.75%$2.5k-39 Month CD Special
3.75%$2.5k-Business 12 Month CD
3.75%$2.5k-Business 39 Month CD Special
3.70%$2.5k-18 Month CD
3.70%$2.5k-Business 18 Month CD
3.65%$2.5k-24 Month CD
3.65%$2.5k-Business 24 Month CD
3.50%$2.5k-30 Month CD
3.50%$2.5k-36 Month CD
3.50%$2.5k-48 Month CD
3.50%$2.5k-60 Month CD
3.50%$2.5k-Business 30 Month CD
3.50%$2.5k-Business 36 Month CD
3.50%$2.5k-Business 48 Month CD
3.50%$2.5k-Business 60 Month CD
2.00%$2.5k-6 Month CD
2.00%$2.5k-Business 6 Month CD

Citizens Bank (TN) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%$2.5k-7 Month IRA Special
4.00%$2.5k-13 Month IRA Special
3.75%$2.5k-12 Month IRA
3.75%$2.5k-39 Month IRA Special
3.70%$2.5k-18 Month IRA
3.65%$2.5k-24 Month IRA
3.50%$2.5k-30 Month IRA
3.50%$2.5k-36 Month IRA
3.50%$2.5k-48 Month IRA
3.50%$2.5k-60 Month IRA
2.00%$2.5k-6 Month IRA
Locations

Availability

Tri-Cities Area

Interactive local rates map


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