Featured Savings Rates
Featured Accounts

Citizens State Bank (FL)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.51%5-year CD60 Month CD
1.01%2-year CD24 Month CD
0.80%1-year CD12 Month CD

Very Secure & Lots Of Cool Features

Posted by: seth233 | May 2, 2016

This bank is very secure in many ways, and that is very important to me. When using the online banking system, you receive a code to your device as a second password to enter. If someone steals your credentials, they still can't access your account without you knowing since they won't have your phone. They use very good encryption certificates on the website. Anytime I perform certain transactions or talk to someone, they are very secure and always make sure I am who I say I am. Staff are always friendly. The bank also has all the neat things the big banks do, you can remotely deposit your check from your cell phone for instance and do all sorts of other things with transfers and so on.

Problems With Opening

Posted by: babs33458 | Oct 7, 2014

I attempted to open an account with this bank. Problems with their web site. Finally did the app and received an email that I would be contacted within 48 hrs to complete my application. I called and asked if there was a problem and was told I would need to send a copy of my driver's license and more work history was needed. I have been retired fro 20 years. It would take 3-5 d days to complete my app. My login was denied due to an invalid email but---they were sending me emails. Finally I was told I needed a code to validate my email ( this came by email) only there was no code in this message, A few minutes later a email with a code came ( to the invalid email) I decided that this bank was not for me. I might never get my money out, Folks I talked with were very nice but---

Steer Clear Of This Bank Due To Fees...

Posted by: Tee | Nov 18, 2014

They charge a two dollar fee for all outgoing transfers to any outside bank which is unheard of for Banks now a days so I closed my account due to this fact alone who wants to be pay two dollars.

Great Rates & Service

Posted by: GaryD | Dec 22, 2011

Citizens State Bank provided very competitive rates for my interest bearing checking account as well as my business loan.  They provide great rates but their customer service really sets them apart from other banks.  I have never experienced such personal and knowledgeable service like Citizens State Bank provides.  Great choice for myself and I would definitely recommend to others.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #17880
Year Established1958
Employees54
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD10.85%
Annual Interest Income$17.4MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$288.3MM$275.3MM
LoansQ4 2015vs Q4 2014$201.1MM$196.8MM
DepositsQ4 2015vs Q4 2014$264.9MM$252.7MM
Equity CapitalQ4 2015vs Q4 2014$23.1MM$22.3MM
Loan Loss AllowanceQ4 2015vs Q4 2014$2.4MM$2.0MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$1.9MM$1.8MM
Real Estate OwnedQ4 2015vs Q4 2014$156.00K$595.00K
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 State Bank (FL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100*$10kInternet Savings
OTHER TIERS: 0.50% $10k+
0.50%$100-Business Savings

Citizens State Bank (FL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-Internet Money Market
0.50%$1k-Business Internet Money Market
0.25%*$100k*-Institutional Money Market
OTHER TIERS: 0.10% $2,500 - $100k
0.25%*$100k*-Government Money Market
OTHER TIERS: 0.10% $2,500 - $100k

Citizens State Bank (FL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$5k*-Interest Checking
OTHER TIERS: 0.05% $100 - $1k | 0.10% $1k - $5k

Citizens State Bank (FL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-60 Month CD
1.51%$1k-Business 60 Month CD
1.33%$1k-48 Month CD
1.33%$1k-Business 48 Month CD
1.25%$1k-36 Month CD
1.25%$1k-Business 36 Month CD
1.01%$1k-24 Month CD
1.01%$1k-Business 24 Month CD
0.80%$1k-12 Month CD
0.80%$1k-Business 12 Month CD
0.30%$1k-6 Month CD
0.30%$1k-Business 6 Month CD
Locations


Citizens State Bank (FL) Locations
Citizens State Bank2000 South Byron Butler ParkwayPerry, FL 32348
Madison Branch424 West Base StreetMadison, FL 32340
Gainesville Branch6450 S.W. Archer RoadGainesville, FL 32608
Steinhatchee Branch913 First Avenue, SoutheastSteinhatchee, FL 32359
Northwest Gainesville Branch4620 Northwest 39th AvenueGainesville, FL 32606