Citizens First Bank (FL)

Overview / Commentary
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 342nd largest bank in the nation. It was established in 1991 and as of June of 2023, it had grown to 406 employees at 16 locations. Citizens First Bank (FL)'s money market rates are 9X the national average, and it has a B+ health rating.

Reviews (3)

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.

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!


Health Grade Components

FDIC Certificate #33440
Year Established1991
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.39%
Return on Equity - YTD16.7%
Annual Interest Income$66.5MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$3.64B$4.01B
LoansQ2 2023vs Q2 2022$1.19B$1.18B
DepositsQ2 2023vs Q2 2022$3.17B$3.38B
Equity CapitalQ2 2023vs Q2 2022$320.5MM$277.7MM
Loan Loss AllowanceQ2 2023vs Q2 2022$20.6MM$21.0MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$946.00K$768.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Citizens First Bank (FL); we are a rate comparison website and cannot provide official rates or promotions.

* 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

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

4.08%*$1m*-Citizens Advantage Money Market
OTHER TIERS: 0.10% Up to $10k | 0.40% $10k - $50k | 1.51% $50k - $250k | 3.56% $250k - $1m

Citizens First Bank (FL) Checking Account Rates

1.26%*$250k*-Senior Interest Checking
OTHER TIERS: 0.75% $1k - $50k | 1.01% $50k - $250k
1.26%*$250k*-American Heroes Checking
OTHER TIERS: 0.75% $1k - $50k | 1.01% $50k - $250k

Citizens First Bank (FL) CD Rates

4.60%$2.5k-1 Year CD
4.60%$2.5k-Business 1 Year CD
4.08%$2.5k-6 Month CD
4.08%$2.5k-Business 6 Month 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

4.60%$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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