Featured Savings Rates
Featured Accounts

Citizens Federal Savings and Loan Association

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
2.10%5-year CD60 Month CD
0.60%1-year CD12 Month CD
0.50%SavingsPassbook Savings

Overview / Commentary
859-431-0087
433 Madison Ave
Covington, KY 41011

Citizens Federal Savings and Loan Association is headquartered in Covington and is the 155th largest bank in the state of Kentucky. It is also the 5,633rd largest bank in the nation. It was established in 1886 and as of September of 2016, it had grown to 5 employees at 1 location. Citizens Federal Savings and Loan Association's money market rates are 14% higher than the national average, and it has a B+ health rating.

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Citizens Federal Savings and Loan Association has a low asset base.

Health Grade Components

Overall
FDIC Certificate #27841
Year Established1886
Employees5
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.86%
Return on Equity - YTD6.68%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$37.6MM$34.5MM
LoansQ3 2016vs Q3 2015$20.7MM$19.0MM
DepositsQ3 2016vs Q3 2015$23.1MM$22.8MM
Equity CapitalQ3 2016vs Q3 2015$10.4MM$9.7MM
Loan Loss AllowanceQ3 2016vs Q3 2015$286.00K$286.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$0$0
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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Citizens Federal Savings and Loan Association Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$500-IRA Account
0.50%$500-Passbook Savings

Citizens Federal Savings and Loan Association Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$2,500-MMDA

Citizens Federal Savings and Loan Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$100-Classic Plus Checking
0.50%$10k-Choice Checking
0.50%$100-Freedom Checking

Citizens Federal Savings and Loan Association CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$1k-60 Month CD
1.70%$1k-48 Month CD
1.40%$1k-29 Month CD Special
1.20%$1k-36 Month CD
1.05%$1k-13 Month CD Special
0.85%$1k-24 Month CD
0.75%$1k-18 Month CD
0.60%$1k-12 Month CD
0.50%$5k-182 Day CD
0.25%$5k-91 Day CD
Locations


Citizens Federal Savings and Loan Association Locations
Citizens Federal Savings and Loan Association433 Madison AveCovington, KY 41011