Citizens First Bank (FL)
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.40% | 5-year CD | 2.27% - National Average |
| 1.50% | 1-year CD | 1.38% - National Average |
| 0.20% | Savings | 0.26% - National Average |
Citizens First Bank (FL) is headquartered in The Villages and is the 11th largest bank in the state of Florida. It is also the 383rd largest bank in the nation. It was established in 1991 and as of December of 2018, it had grown to 312 employees at 13 locations. Citizens First Bank (FL)'s CD rates are 3X the national average, and it has an A health rating.
Great Bank To Work With
I have been with Citizen's First Bank for five years now, and with the online banking ability, with no fees, it has been my easiest banking experience. The only negative I have is their low interest rates, For CDs, savings interest, and checking interest.
Great customer service
I have had wonderful customer service at Citizens First Bank. They have 3 close and convenient locations that all offer drive thrus and drive up ATMS. the only down side to that is half the time their ATMs are out of service. They aren't working more than they are working. however the customer service definitely makes up for it. Anytime I have overdrafted they have waived my over draft fee. they also dont charge fees for anything else besides overdrafting. whether you call, go in, or go to the drive thru workers are always so kind, patient, and quick. another downside to this bank is their APP is horrible. it never seems to be working and if it is it very delayed, which their website is as well. purchases take quite some time to show up on your account--so your balance is inaccurate.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 33440 |
| Year Established | 1991 |
| Employees | 312 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.41% |
| Return on Equity - YTD | 13.6% |
| Annual Interest Income | $64.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $2.26B$2.08B |
| Loans | Q4 2018vs Q4 2017 | $750.5MM$599.7MM |
| Deposits | Q4 2018vs Q4 2017 | $1.78B$1.75B |
| Equity Capital | Q4 2018vs Q4 2017 | $234.9MM$212.6MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $8.1MM$6.8MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $1.3MM$1.6MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Citizens First Bank (FL) Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.20%* | $100k* | - | Tiered Savings Account | ||
| OTHER TIERS: 0.10% → $100 - $10k | 0.15% → $10k - $100k | |||||
| 0.10% | $25 | - | Youth Savings Account | ||
Citizens First Bank (FL) Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.06%* | $1m* | - | Citizens Advantage Money Market | ||
| OTHER TIERS: 0.25% → $2.5k - $10k | 0.45% → $10k - $50k | 0.60% → $50k - $250k | 0.65% → $250k - $1m | |||||
Citizens First Bank (FL) Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | $1k | - | Senior Interest Checking | |
| 0.20% | $1k | - | American Heroes Checking |
Citizens First Bank (FL) CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.60% | $10k | - | 2 Year CD Special | |
| 2.40% | $2.5k | - | 5 Year CD | |
| 2.40% | $10k | - | 1 Year Special CD | |
| 2.30% | $2.5k | - | 4 Year CD | |
| 2.25% | $2.5k | - | 3 Year CD | |
| 2.00% | $2.5k | - | 2 Year CD | |
| 1.75% | $2.5k | - | 18 Month CD | |
| 1.50% | $2.5k | - | 1 Year CD | |
| 0.60% | $2.5k | - | 6 Month CD | |
| 0.50% | $2.5k | - | 3 Month CD | |
| 0.25% | $2.5k | - | 30 Day CD |
Citizens First Bank (FL) IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.60%* | $10k* | - | 2 Year Fixed IRA | ||
| OTHER TIERS: 2.00% → $2.5k - $10k | |||||
| 2.40%* | $10k* | - | 1 Year Fixed IRA | ||
| OTHER TIERS: 1.50% → $2.5k - $10k | |||||
| 2.40% | $2.5k | - | 5 Year Fixed IRA | ||
| 2.30% | $2.5k | - | 4 Year Fixed IRA | ||
| 2.25% | $2.5k | - | 3 Year Fixed IRA | ||
| 1.75% | $2.5k | - | 18 Month Variable IRA | ||
