Citizens Bank Minnesota

Overview / Commentary
105 North Minnesota Street
New Ulm, MN 56073

Citizens Bank Minnesota is headquartered in NEW ULM and is the 37th largest bank in the state of Minnesota. It is also the 1,582nd largest bank in the nation. It was established in 1875 and as of March of 2024, it had grown to 96 employees at 6 locations. Citizens Bank Minnesota's CD rates are 11% higher than the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #8200
Year Established1875
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD4.55%
Annual Interest Income$5.9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$582.4MM$573.9MM
LoansQ1 2024vs Q1 2023$382.3MM$360.9MM
DepositsQ1 2024vs Q1 2023$502.9MM$521.6MM
Equity CapitalQ1 2024vs Q1 2023$44.4MM$43.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.8MM$2.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$93K$91K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens Bank Minnesota Savings Account Rates

3.04%*$0$5kWooHoo! U Youth Savings
OTHER TIERS: 0.50% $7.5k+ | 1.00% $5k - $7.5k
2.02%*$100k*-WooHoo! Savings
OTHER TIERS: 0.75% $0 - $15k | 1.00% $15k - $50k | 1.51% $50k - $100k
0.75%$0-Health Savings Account
0.50%*$100k*-Investment Savings
OTHER TIERS: 0.10% $1k - $15k | 0.20% $15k - $50k | 0.35% $50k - $100k
0.05%$100-Regular Savings

Citizens Bank Minnesota Checking Account Rates

3.04%*$0$15kWooHoo! Checking
OTHER TIERS: 0.05% $15k+
0.50%*$100k*-WooHoo! Business Checking
OTHER TIERS: 0.10% $0 - $15k | 0.20% $15k - $50k | 0.35% $50k - $100k
0.10%$1k-Easy Interest Checking

Citizens Bank Minnesota CD Rates

4.84%$2.5k-9 Month Share Certificate Special
4.32%$2.5k-15 Month Share Certificate Special
4.06%$2.5k-23 Month Share Certificate Special
3.80%$2.5k-35 Month Share Certificate Special
2.78%$500-Business 96 Month Share Certificate
2.78%$500-96 Month Share Certificate
2.52%$500-60 Month Share Certificate
2.52%$500-Business 60 Month Share Certificate
2.27%$500-Business 48 Month Share Certificate
2.27%$500-48 Month Share Certificate
2.02%$500-Business 36 Month Share Certificate
2.02%$500-36 Month Share Certificate
1.61%$500-Business 30 Month Share Certificate
1.61%$500-30 Month Share Certificate
1.41%$500-24 Month Share Certificate
1.41%$500-Business 24 Month Share Certificate
1.21%$500-Business 18 Month Share Certificate
1.21%$500-18 Month Share Certificate
1.00%$500-Business 12 Month Share Certificate
1.00%$500-12 Month Share Certificate
0.75%$500-6 Month Share Certificate
0.75%$500-Business 6 Month Share Certificate
0.50%$500-Business 3 Month Share Certificate
0.50%$500-3 Month Share Certificate

Citizens Bank Minnesota IRA Rates

3.55%$0-60 Month IRA Certificate Special
2.78%$500-96 Month IRA Certificate
2.52%$500-60 Month IRA Certificate
2.27%$500-48 Month IRA Certificate
2.02%$500-36 Month IRA Certificate
1.61%$500-30 Month IRA Certificate
1.41%$500-24 Month IRA Certificate
1.21%$500-18 Month IRA Certificate
1.00%$500-12 Month IRA Certificate
0.75%$500-6 Month IRA Certificate
0.50%$500-3 Month IRA Certificate

Citizens Bank Minnesota Locations
LA Salle Branch102 S BroadwayLa Salle, MN 56056
Citizens Bank Minnesota105 N Minnesota StNew Ulm, MN 56073
Lakeville Branch18476 Kenrick AvenueLakeville, MN 55044
Lafayette Branch701 Main AvenueLafayette, MN 56054
Farmers State Bank Of Watkins Branch170 Meeker Ave NWatkins, MN 55389
Ormsby Branch513 Main StreetOrmsby, MN 56162

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