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Citizens First Bank (FL)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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 7/12/2025
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 7/12/2025
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 7/12/2025
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 7/12/2025
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.citizensfb.com
352-751-2100
1050 Lake Sumter Landing
The Villages, FL 32162

Citizens First Bank (FL) is headquartered in THE VILLAGES and is the 13th largest bank in the state of Florida. It is also the 328th largest bank in the nation. It was established in 1991 and as of March of 2025, it had grown to 405 employees at 19 locations. Citizens First Bank (FL)'s money market rates are 8X the national average, and it boasts an A+ health rating.

Reviews (1)

The Worst Online Website

Posted by: |

Not even a week ago I had problems logging into My account.  I wasted my time with busy schedule dealing with one of your representatives to help me Reset my password.  This has happened well Over five times this year!  Only to be able to use my existing password And then being able to log in!  What kind of security measure are you offering?  You are just wasting our time!  And now I go through this ALL OVER AGAIN!  I have Many screen pictures taken to prove the many times I’ve had this problem How ridiculous your website is set up!

2


Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #33440
Year Established1991
Employees405
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD10.84%
Annual Interest Income$41.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$4.08B$3.83B
LoansQ1 2025vs Q1 2024$1.3B$1.27B
DepositsQ1 2025vs Q1 2024$3.47B$3.31B
Equity CapitalQ1 2025vs Q1 2024$439.3MM$373.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$23.2MM$21MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.7MM$1.6MM
Real Estate OwnedQ1 2025vs Q1 2024$248K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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 7/12/2025
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 7/12/2025
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 7/12/2025
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 7/12/2025
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 First Bank (FL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Tiered Savings Account
OTHER TIERS: 0.10% → $100 - $100k
0.15%$25-Youth Savings Account

Citizens First Bank (FL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.67%*$1m*-Citizens Advantage Money Market
OTHER TIERS: 0.10% → $0 - $10k | 0.20% → $10k - $50k | 1.21% → $50k - $250k | 3.15% → $250k - $1m

Citizens First Bank (FL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$250k*-Senior Interest Checking
OTHER TIERS: 0.20% → $1k - $50k | 0.45% → $50k - $250k
0.70%*$250k*-American Heroes Checking
OTHER TIERS: 0.20% → $1k - $50k | 0.45% → $50k - $250k

Citizens First Bank (FL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.08%$2.5k-6 Month CD
4.08%$2.5k-Business 6 Month CD
3.82%$2.5k-1 Year CD
3.82%$2.5k-Business 1 Year CD
2.28%$2.5k-5 Year CD
2.28%$2.5k-Business 5 Year CD
2.02%$2.5k-4 Year CD
2.02%$2.5k-Business 4 Year CD
1.97%$2.5k-3 Year CD
1.97%$2.5k-Business 3 Year CD
1.87%$2.5k-2 Year CD
1.87%$2.5k-Business 2 Year CD
1.77%$2.5k-18 Month CD
1.77%$2.5k-Business 18 Month CD
0.50%$2.5k-30 Day CD
0.50%$2.5k-3 Month CD
0.50%$2.5k-Business 30 Day CD
0.50%$2.5k-Business 3 Month CD

Citizens First Bank (FL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.82%$2.5k-1 Year Fixed IRA
2.28%$2.5k-5 Year Fixed IRA
2.02%$2.5k-4 Year Fixed IRA
1.97%$2.5k-3 Year Fixed IRA
1.87%$2.5k-2 Year Fixed IRA
1.77%$2.5k-18 Month Variable IRA
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