Citizens First Bank (FL)


Overview / Commentary
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

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
A+

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
Rates
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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

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
Locations

Availability



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