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Citizens Bank (MO)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/14/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.44%
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
Bonus Amount
up to $300
Our Rating
4.2  / 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 93rd largest bank in the state of Missouri. It is also the 2,331st largest bank in the nation. It was established in 1934 and as of March of 2025, it had grown to 63 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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #14488
Year Established1934
Employees63
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD8.72%
Annual Interest Income$4.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$336.7MM$326MM
LoansQ1 2025vs Q1 2024$298.2MM$283.8MM
DepositsQ1 2025vs Q1 2024$289.5MM$282.2MM
Equity CapitalQ1 2025vs Q1 2024$43.1MM$39.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5MM$4.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4.3MM$86K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/14/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.44%
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
Bonus Amount
up to $300
Our Rating
4.2  / 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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* 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
4.35%$1k-6 Month CD
4.35%$1k-8 Month CD
4.00%$1k-333 Day CD
3.51%$2.5k-91 Day CD
3.35%$1k-30 Month CD
3.25%$500-18 Month 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
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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