First Citizens Community Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.00%	Reward Checking	Vantage Checking 1.93% - National Average
1.86%	5-year CD	60 Month PowerUp CD 2.50% - Ally Bank High Yield 5 Year CD
0.30%	1-year CD	1 Year Easy-Access CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD

View all First Citizens Community Bank rates »

Overview / Commentary

www.firstcitizensbank.com

570-662-2121

15 South Main Street
Mansfield, PA 16933

First Citizens Community Bank is headquartered in Mansfield and is the 25^th largest bank in the state of Pennsylvania. It is also the 581^st largest bank in the nation. It was established in 1932 and as of December of 2017, it had grown to 253 employees at 28 locations. First Citizens Community Bank's money market rates are 2X the national average, and it has an A health rating.

Reviews (3)

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First Citizens Provides Excellent Service

Posted by: vickiewells | Dec 21, 2017

I have been banking with First Citizens since I was a child and opened my first savings account. I was always treated with patience and had everything explained clearly, as one should to a child. This bank provides overdraft protection, which was useful to me during my college days when I overdrew my checking account several times. I spent several years after college traveling internationally in third world countries volunteering and doing human rights work independently. First Citizens always provided me service, even going so far as to set my debit card up to work internationally without limitations. This incurred no extra fees on my part. On the only occasion where my card information was stolen, the bank immediately noticed, froze my card, and actually closed the account to avoid loss on my part. As soon as I was in the United States again, the manager personally activated my already set up and waiting new account and card. Due to new regulations, I must activate my card each time I leave the United States, which I do often. I always receive almost instant service and have never been caught short or made to wait. I cannot be positive enough about the personal care and service I have been given by this institution over the years. My information has been kept secure, my money has been kept safe even when my card was compromised through no fault of the bank, and I am always responded to quickly and efficiently regardless of my need.

Comment

1

Local banks summary

Posted by: Rocketterm | Mar 28, 2018

I have used First Citizens Bank for three different accounts. I've used them for checking, savings and my first car loan. In fact, my first memory of banking was with them and my usage of a passbook savings account. Later, when I was in high school I had my first checking account. Later in college, I had my first car loan with them. Overall, the level of service was good, and it helped that their local branches hired local people to work in them. I know of several people who worked there that I would see when I did whatever banking business I needed to do, and that level of familiarity is almost impossible to find in this age of increasing bank mergers and consolidations. I know the days of local service have pretty much gone away, but the small community banks that remain will always offer service that larger banks are lacking.

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1

Checking account review for frst citizens bank

Posted by: kamishelton2 | Aug 14, 2017

First Citizens Community Bank is the best. The customer service reps are always friendly and helpful. The online banking is wonderful to access 24/7. When I married, they were very polite and helpful getting all my name changes done. They also work very quickly so I don't stand in line a lot. They also do eStatements online which is a plus. It makes less paper mail that I am just going to trash anyways. I can go to the online bank and view my transactions and checks anytime I would like. I would not trade to a different institution for any reason.

Comment

1

Health

A

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7593
Year Established	1932
Employees	253
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.01%
Return on Equity - YTD	9.88%
Annual Interest Income	$48.0MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$1.36B$1.22B
Loans	Q4 2017vs Q4 2016	$990.8MM$792.6MM
Deposits	Q4 2017vs Q4 2016	$1.11B$1.01B
Equity Capital	Q4 2017vs Q4 2016	$130.4MM$126.0MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$11.2MM$8.9MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$10.5MM$11.6MM
Real Estate Owned	Q4 2017vs Q4 2016	$1.1MM$1.0MM

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

First Citizens Community Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*^†	$10k^*	-	Health Savings Account
OTHER TIERS: 0.05% → Up to $1k \| 0.10% → $1k - $10k
0.15%^*^†	$100k^*	-	Regular Savings
OTHER TIERS: 0.05% → $200 - $10k \| 0.10% → $10k - $100k
0.15%^*^†	$100k^*	-	Escrow Savings
OTHER TIERS: 0.05% → $200 - $10k \| 0.10% → $10k - $100k
0.15%^†	-	-	2018 Club Account

First Citizens Community Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*^†	$500k^*	-	Natural Energy Flex Acct Money Market Investor
OTHER TIERS: 0.10% → Up to $10k \| 0.35% → $10k - $25k \| 0.50% → $25k - $50k \| 0.70% → $50k - $100k \| 0.90% → $100k - $250k \| 0.95% → $250k - $500k
0.50%^*^†	$100k^*	-	Money Market Investor State and Political
OTHER TIERS: 0.05% → Up to $5k \| 0.10% → $5k - $10k \| 0.20% → $10k - $50k \| 0.35% → $50k - $100k
0.25%^*^†	$100k^*	-	Money Market Investor
OTHER TIERS: 0.05% → Up to $5k \| 0.10% → $5k - $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k
0.25%^*^†	$100k^*	-	Money Market Investor Business
OTHER TIERS: 0.05% → Up to $5k \| 0.10% → $5k - $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k

First Citizens Community Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*^†	-	$25k	Vantage Checking
OTHER TIERS: 0.25% → $25k+
0.35%^*	$100k^*	-	Not For Profit Interest Checking
OTHER TIERS: 0.05% → $1k - $50k \| 0.15% → $50k - $100k
0.15%^*^†	$100k^*	-	Business Interest Checking
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $100k
0.15%^*^†	$100k^*	-	NOW State Checking
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $100k
0.05%^†	-	-	Relationship Checking
0.05%^†	-	-	55 and Better Checking

First Citizens Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*^†	$100k^*	-	72 Month CD
OTHER TIERS: 1.51% → $10k - $25k \| 2.02% → $25k - $50k \| 2.17% → $50k - $100k
2.17%^*^†	$100k^*	-	66 Month CD
OTHER TIERS: 1.10% → $500 - $10k \| 1.76% → $10k - $25k \| 1.96% → $25k - $50k \| 2.07% → $50k - $100k
2.07%^*^†	$100k^*	-	60 Month CD
OTHER TIERS: 1.00% → $500 - $10k \| 1.76% → $10k - $25k \| 1.86% → $25k - $50k \| 1.96% → $50k - $100k
1.86%^*^†	$100k^*	-	60 Month PowerUp CD
OTHER TIERS: 1.56% → $10k - $100k
1.81%^*^†	$100k^*	-	48 - 59 Month CD
OTHER TIERS: 0.75% → $500 - $10k \| 1.56% → $10k - $25k \| 1.61% → $25k - $50k \| 1.71% → $50k - $100k
1.76%^*^†	$100k^*	-	36 - 47 Month CD
OTHER TIERS: 0.30% → $500 - $10k \| 1.31% → $10k - $25k \| 1.41% → $25k - $50k \| 1.61% → $50k - $100k
1.71%^*^†	$100k^*	-	48 Month PowerUp CD
OTHER TIERS: 1.51% → $10k - $100k
1.51%^*^†	$100k^*	-	30 Month Breakable CD
OTHER TIERS: 1.15% → $5k - $100k
1.00%^*^†	$100k^*	-	24 - 35 Month CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.75% → $10k - $25k \| 0.90% → $25k - $50k \| 0.95% → $50k - $100k
0.40%^*^†	$100k^*	-	12 - 23 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k
0.35%^*^†	$100k^*	-	6 - 11 Month CD
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k
0.30%^*^†	$100k^*	-	1 Year Easy-Access CD
OTHER TIERS: 0.25% → $5k - $100k
0.25%^*^†	$100k^*	-	1 - 5 Month CD
OTHER TIERS: 0.05% → $500 - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $100k

First Citizens Community Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%^*^†	$100k^*	-	72 Month IRA
OTHER TIERS: 1.50% → $10k - $25k \| 2.25% → $25k - $50k \| 2.40% → $50k - $100k
2.35%^*^†	$100k^*	-	66 Month IRA
OTHER TIERS: 1.10% → $500 - $10k \| 1.95% → $10k - $25k \| 2.15% → $25k - $50k \| 2.25% → $50k - $100k
2.25%^*^†	$100k^*	-	60 Month IRA
OTHER TIERS: 1.00% → $500 - $10k \| 1.95% → $10k - $25k \| 2.05% → $25k - $50k \| 2.15% → $50k - $100k
2.00%^*^†	$100k^*	-	48 - 59 Month IRA
OTHER TIERS: 0.75% → $500 - $10k \| 1.75% → $10k - $25k \| 1.85% → $25k - $50k \| 1.95% → $50k - $100k
1.95%^*^†	$100k^*	-	36 - 47 Month IRA
OTHER TIERS: 0.30% → $500 - $10k \| 1.70% → $10k - $25k \| 1.80% → $25k - $50k \| 1.90% → $50k - $100k
1.85%^*^†	$100k^*	-	60 Month PowerUp IRA
OTHER TIERS: 1.55% → $10k - $100k
1.75%^*^†	$100k^*	-	30 Month IRA
OTHER TIERS: 0.50% → $500 - $10k \| 1.50% → $10k - $25k \| 1.65% → $25k - $50k \| 1.70% → $50k - $100k
1.70%^*^†	$100k^*	-	48 Month PowerUp IRA
OTHER TIERS: 1.50% → $10k - $100k
1.40%^*^†	$100k^*	-	36 Month Variable IRA
OTHER TIERS: 0.85% → $500 - $100k
1.00%^*^†	$100k^*	-	12 Month Variable Rate IRA
OTHER TIERS: 0.25% → $25 - $100k
1.00%^*^†	$100k^*	-	24 - 35 Month IRA
OTHER TIERS: 0.20% → $500 - $10k \| 0.75% → $10k - $25k \| 0.90% → $25k - $50k \| 0.95% → $50k - $100k
0.40%^*^†	$100k^*	-	12 - 23 Month IRA
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k
0.35%^*^†	$100k^*	-	6 - 11 Month IRA
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k

Locations

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Elmira Area

Elmira Area bank & credit union details

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