Citizens Federal Savings and Loan Association
LOCATIONS
1
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HEALTH RATING
B+
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CURRENT TOP RATE
2.10% APY
60 Month CD
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Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.10% | 5-year CD | 60 Month CD 1.85% - Synchrony Bank 60 Month CD |
| 0.60% | 1-year CD | 12 Month CD 0.48% - National Average |
| 0.50% | Savings | Passbook Savings 0.18% - National Average |
Overview / Commentary
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 5,709th largest bank in the nation. It was established in 1886 and as of June of 2016, it had grown to 4 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 Q2 2016
Learn more about bank healthAdditional 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 | 4 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 2.43% |
| Return on Equity - YTD | 8.72% |
| Annual Interest Income | $715.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $37.2MM$34.6MM |
| Loans | Q2 2016vs Q2 2015 | $20.1MM$19.1MM |
| Deposits | Q2 2016vs Q2 2015 | $22.7MM$23.0MM |
| Equity Capital | Q2 2016vs Q2 2015 | $10.3MM$9.6MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $286.00K$286.00K |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $0$0 |
| Real Estate Owned | Q2 2016vs Q2 2015 | $0$0 |
Rates
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Citizens Federal Savings and Loan Association Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.95% | $500 | - | IRA Account | |
| 0.50% | $500 | - | Passbook Savings |
Citizens Federal Savings and Loan Association Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | $2,500 | - | 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
Locations
| Citizens Federal Savings and Loan Association Locations | ||
|---|---|---|
| Citizens Federal Savings and Loan Association | 433 Madison Ave | Covington, KY 41011 |