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Citizens Bank (MO)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.citizensbankmo.com
573-237-3051
100 Circle Drive
New Haven, MO 63068

Citizens Bank (MO) is headquartered in NEW HAVEN and is the 94th largest bank in the state of Missouri. It is also the 2,388th largest bank in the nation. It was established in 1934 and as of December of 2024, it had grown to 62 employees at 4 locations. Citizens Bank (MO)'s money market rates are 14% higher than the national average, and it has a B+ health rating.

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Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #14488
Year Established1934
Employees62
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD7.84%
Annual Interest Income$18.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$324MM$319.8MM
LoansQ4 2024vs Q4 2023$292.3MM$282.5MM
DepositsQ4 2024vs Q4 2023$278.4MM$276.9MM
Equity CapitalQ4 2024vs Q4 2023$42.1MM$39MM
Loan Loss AllowanceQ4 2024vs Q4 2023$5MM$4.8MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$4.3MM$92K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Citizens Bank (MO); 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 (MO) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$10-Christmas Club
0.35%*$10k*-Health Savings
OTHER TIERS: 0.10% → $0 - $10k
0.10%$100-Citizens Savings Account
0.10%$0-Young Savers

Citizens Bank (MO) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$500k*-Wealth Builder Money Market Account
OTHER TIERS: 0.15% → $1k - $100k | 0.20% → $100k - $250k | 0.25% → $250k - $500k

Citizens Bank (MO) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%*$0$25kCB Legacy
OTHER TIERS: 0.10% → $25k+
3.50%*$0$15kCB Loyalty
OTHER TIERS: 0.10% → $15k+

Citizens Bank (MO) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-6 Month CD
4.50%$1k-8 Month CD
4.35%$1k-333 Day CD
3.63%$1k-30 Month CD
3.53%$500-18 Month CD
3.51%$2.5k-91 Day CD
2.75%$1k-20 Month CD
0.85%$1k-60 Month CD
0.70%$1k-48 Month CD
0.55%$500-36 Month CD
0.55%$500-42 Month CD
0.40%$500-24 Month CD
0.35%$1k-11 Month CD
0.20%$1k-12 Month CD
0.15%$1k-182 Day CD
0.10%$20k-31 Day CD
0.10%$1k-4 Month CD

Citizens Bank (MO) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-6 Month IRA
4.50%$1k-8 Month IRA
4.35%$1k-333 Day IRA
3.63%$1k-30 Month IRA
3.53%$500-18 Month IRA
3.51%$2.5k-91 Day IRA
2.75%$1k-20 Month IRA
0.85%$1k-60 Month IRA
0.70%$1k-48 Month IRA
0.55%$500-36 Month IRA
0.55%$500-42 Month IRA
0.40%$500-24 Month IRA
0.35%$1k-11 Month IRA
0.20%$1k-12 Month IRA
0.15%$1k-182 Day IRA
0.10%$20k-31 Day IRA
0.10%$1k-4 Month IRA
Locations


Citizens Bank (MO) Locations
Citizens Bank100 Circle DrNew Haven, MO 63068
Washington Branch1451 High Street, Suite 101Washington, MO 63090
West Osage Branch2245 West OsagePacific, MO 63069
Gerald Branch725 West Springfield RoadGerald, MO 63037

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