Citizens Federal Savings and Loan Association
LOCATIONS
1
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HEALTH RATING
B+
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CURRENT TOP RATE
3.30% APY
60 Month CD
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Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 3.30% | 5-year CD | |
| 0.60% | 1-year CD | 2.65% - Barclays 12 Month Online CD |
| 0.50% | Savings | 2.00% - Ally Bank Online Savings Account |
Overview / Commentary
Citizens Federal Savings and Loan Association is headquartered in Covington and is the 144th largest bank in the state of Kentucky. It is also the 5,172nd largest bank in the nation. It was established in 1886 and as of September of 2018, 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+
Data as of Q3 2018
Learn why bank health mattersAdditional 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 Established | 1886 |
| Employees | 5 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.85% |
| Return on Equity - YTD | 3.19% |
| Annual Interest Income | $1.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $38.3MM$38.1MM |
| Loans | Q3 2018vs Q3 2017 | $22.9MM$21.7MM |
| Deposits | Q3 2018vs Q3 2017 | $23.4MM$23.4MM |
| Equity Capital | Q3 2018vs Q3 2017 | $10.4MM$10.4MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $272.00K$286.00K |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $0$0 |
| Real Estate Owned | Q3 2018vs Q3 2017 | $0$0 |
Rates
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Citizens Federal Savings and Loan Association Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | $500 | - | Passbook Savings |
Citizens Federal Savings and Loan Association Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | $2.5k | - | MMDA |
Citizens Federal Savings and Loan Association Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
Citizens Federal Savings and Loan Association IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.30% | $500 | - | 60 Month IRA | |
| 2.75% | $500 | - | 30 Month IRA |
Locations
| Citizens Federal Savings and Loan Association Locations | ||
|---|---|---|
| Citizens Federal Savings and Loan Association | 433 Madison Ave | Covington, KY 41011 |